by our College Data Analytics TeamThis overview lays out the cost of attending University of Michigan-Ann Arbor, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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Attendance costs at University of Michigan-Ann Arbor varied between $33,345.00 and $76,555.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: near $33,345.00 for in-state students versus $76,555.00 for those paying out-of-state rates.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $17,736.00 |
| + Room, board & other expenses | $15,609.00 |
| Total cost | $33,345.00 |
| That is 73% above the national average net price. |
| Total cost | $33,345.00 |
| − Grants and scholarships | −$21,516.00 |
| Net price | $11,829.00 |
| That is 39% below the national average net price. |
| Total cost | $33,345.00 |
| − Grants and scholarships | −$33,611.00 |
| Net price | $-266.00 |
| That is 101% below the national average net price. |
| Tuition and fees | $60,946.00 |
| + Room, board & other expenses | $15,609.00 |
| Total cost | $76,555.00 |
| That is 298% above the national average net price. |
| Total cost | $76,555.00 |
| − Grants and scholarships | −$21,516.00 |
| Net price | $55,039.00 |
| That is 186% above the national average net price. |
| Total cost | $76,555.00 |
| − Grants and scholarships | −$33,611.00 |
| Net price | $42,944.00 |
| That is 123% above the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
Cost of attendance here has been rising at a recent average of 4.6% annually, so the projections below total more than one year of attendance. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $-278.00 | $12,375.00 | $34,884.00 |
| Senior year | $-319.00 | $14,169.00 | $39,940.00 |
| Total 4-year net price | $-1,193.00 | $53,033.00 | $149,497.00 |
| 10-year loan interest @ 6.8% | $-454.00 | $20,204.00 | $56,953.00 |
| Total monthly payment | $-14.00 | $610.00 | $1,720.00 |
| Total amount paid | $-1,647.00 | $73,237.00 | $206,449.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $-278.00 | $12,375.00 | $34,884.00 |
| Senior year | $-291.00 | $12,946.00 | $36,494.00 |
| Total 2-year net price | $-569.00 | $25,321.00 | $71,378.00 |
| 10-year loan interest @ 6.8% | $-217.00 | $9,646.00 | $27,192.00 |
| Total monthly payment | $-7.00 | $291.00 | $821.00 |
| Total amount paid | $-786.00 | $34,967.00 | $98,570.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $44,926.00 | $57,579.00 | $80,088.00 |
| Senior year | $51,438.00 | $65,925.00 | $91,697.00 |
| Total 4-year net price | $192,532.00 | $246,758.00 | $343,221.00 |
| 10-year loan interest @ 6.8% | $73,348.00 | $94,006.00 | $130,755.00 |
| Total monthly payment | $2,216.00 | $2,840.00 | $3,950.00 |
| Total amount paid | $265,880.00 | $340,764.00 | $473,976.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $44,926.00 | $57,579.00 | $80,088.00 |
| Senior year | $46,999.00 | $60,237.00 | $83,785.00 |
| Total 2-year net price | $91,925.00 | $117,816.00 | $163,873.00 |
| 10-year loan interest @ 6.8% | $35,020.00 | $44,884.00 | $62,430.00 |
| Total monthly payment | $1,058.00 | $1,356.00 | $1,886.00 |
| Total amount paid | $126,946.00 | $162,700.00 | $226,302.00 |
Read more in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $13,138.00 |
| Average net price (off-campus) | $14,832.00 |
The real cost varies by income because need-based aid scales with financial need. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $4,926.00 |
| $30,000 to $48,000 | $5,389.00 |
| $48,001 to $75,000 | $8,756.00 |
| $75,001 to $110,000 | $16,042.00 |
| Over $110,000 | $26,787.00 |
Estimate your specific net price using the school’s University of Michigan-Ann Arbor Net Price Calculator, or visit the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
The typical debt load for borrowers leaving University of Michigan-Ann Arbor comes to $17,625.00, placing the school in the Low ($10-20k) burden tier.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,700.00 |
| 25th | $9,530.00 |
| Median (50th) | $17,625.00 |
| 75th | $25,700.00 |
| 90th | $31,276.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,042.00 |
| Middle income | $16,000.00 |
| High income | $19,500.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,500.00 |
| Continuing-generation students | $18,646.00 |
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell-versus-non-Pell median debt difference at University of Michigan-Ann Arbor stands at $-4,500.00.
The default-rate category at University of Michigan-Ann Arbor is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 1.8% |
For scale, federal Stafford loan disbursements at University of Michigan-Ann Arbor add up to $2,106,655,512.00 across 70,989 loan recipients.
Veteran and active-military students often access dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 447 |
| Avg GI Bill amount | $29,352.00 |
| DoD Tuition Assistance recipients | 26 |
| Avg DoD Tuition Assistance | $2,704.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Numbers only tell part of the story. As you weigh University of Michigan-Ann Arbor, a few questions are worth asking:
Each page below covers one part of paying for college in more detail:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.