Annual Costs

Undergraduate Tuition

Tuition for Concordia University Ann Arbor is $28,330 for the 2017/2018 academic year. This is 2% more expensive than the national average private non-profit four year college tuition of $27,755. The cost is 49% more expensive than the average Michigan tuition of $19,001 for 4 year colleges. Tuition ranks 47th in Michigan amongst 4 year colleges for affordability and is the 12th most expensive 4 year college in the state. Price does not vary by residence.

The school charges an additional fees of $90 in addition to tuition bringing the total effective in-state tuition to $28,420.

Housing Costs

On campus room and board is provided by the school at a cost of $9,820 per academic year. Students electing to live off campus elsewhere in Ann Arbor should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,600.

Other Living Expenses

If living on-campus, students should budget for $2,800 in additional living expenses. Off-campus students should budget for $2,800 in other miscellaneous living expenses.

Total Costs

The annual tuition and living expense budget to go to Concordia University-Ann Arbor was $42,640 for the 2017/2018 academic year. The cost is the same for all students regardless of Michigan residence status as there is no in-state discount.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for Concordia University Ann Arbor and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Concordia University Ann Arbor
Estimated Budgets
Michigan Resident Total Budget $42,640
   In-State Tuition$28,330
   Other Fees$90
   Room and Board$9,820
   On-Campus Other Budget$2,800
   Books and Supplies$1,600
Non-Resident Total Budget $42,640
   Out-of-State Tuition$28,330
   Other Fees$90
   Room and Board$9,820
   On-Campus Other Budget$2,800
   Books and Supplies$1,600


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $42,640 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported Concordia University-Ann Arbor net price for in-state students is $19,726* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

100% of Concordia University Ann Arbor students received grant aid in 2014/2015. The average total aid amount was $15,217. 39 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,023. To apply for a Pell Grant to attend Concordia University Ann Arbor, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Concordia University Ann Arbor
Financial Aid Summary
Average Annual Net Price$19,726*
Percent of Students Receiving Grant Aid100%
Average Total Grant Aid$15,217
Percent of Students Receiving Pell Grants39%
Average Amount of Pell Grant Aid$4,023

Average Net Price by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$16,736
$30,001 to $48,000$18,743
$48,001 to $75,000$19,335
$75,001 to $110,000$20,610

Average Financial Aid Mix - $42,640 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $42,640. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 38% - $15,217

Money granted to you by the U.S. Department of Education, Concordia University Ann Arbor or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 15% - $5,826

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 47% -  $18,797

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Private Colleges in the Region

School Cost vs. Concordia University Ann Arbor
Defiance College11.1% more expensive
Trine University9.7% more expensive
The University of Findlay14.1% more expensive
Heidelberg University4.5% more expensive
Northwood University Michigan12.6% less expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at Concordia University Ann Arbor.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at Concordia University-Ann Arbor is $170,560 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $15,435 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $61,740**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $213,200 or $77,175 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at Concordia University Ann Arbor.

Michigan Resident Tuition Per Semester$14,165
Michigan Resident Total Cost Per Semester$21,320

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Concordia University Ann Arbor are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Concordia University Ann Arbor
Price per credit hour$1,180
Cost for one class (3 credit hours)$3,540
Cost for one class (4 credit hours)$4,720


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 86% of Concordia University Ann Arbor students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,826.

Example Loan Payments and Costs

How much are student loan payments for Concordia University Ann Arbor? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $61,740, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $76,605.18. This could be your effective total out of pocket cost of an education at Concordia University Ann Arbor. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 100% of students at this school who receive financial aid and you are paying an average annual net price of $15,435. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Concordia University Ann Arbor student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Concordia University Ann Arbor Student Loan Payments
Example Payments
Monthly Loan Payment$638.38
Amount Borrowed$61,740.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$14,865.18
Sum of All Payments over 10 years$76,605.18

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Concordia University-Ann Arbor? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Concordia University Ann Arbor, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $76,605.18 would be needed to afford a $638.38 monthly payment in the example $61,740.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Concordia University Ann Arbor in the future? In the past four years, this school's published in-state tuition and fee total rose from $22,464 to $28,330. This amounts to an average annual price increase of 5.2%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 4 year cost of $170,560.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Concordia University Ann Arbor.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2023$58,640$234,560
Estimated Cost in 10 years for students enrolling in 2028$74,841$299,364
Estimated Cost in 15 years for students enrolling in 2033 $95,518$382,073
Estimated Cost in 18 years for students enrolling in 2036 $110,574$442,297

Tuition History

What was tuition at Concordia University-Ann Arbor five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.

YearTuitionAnnual Increase

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Concordia University Ann Arbor to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Business Administration and Management, General Bachelor's Degree 25 23% costlier
Family Systems Bachelor's Degree 23 28% costlier
English Language and Literature, General Bachelor's Degree 9 6% costlier
Ancient Near Eastern and Biblical Languages, Literatures, and Linguistics Bachelor's Degree 8 15% costlier
Criminal Justice/Law Enforcement Administration Bachelor's Degree 7 34% costlier
Social Sciences, General Bachelor's Degree 6 11% costlier
Mathematics, General Bachelor's Degree 6 4% costlier
English/Language Arts Teacher Education Bachelor's Degree 5 22% costlier
Biology/Biological Sciences, General Bachelor's Degree 4 5% costlier
Communication, General Bachelor's Degree 3 10% costlier
Pre-Medicine/Pre-Medical Studies Bachelor's Degree 2 1% cheaper
Mathematics Teacher Education Bachelor's Degree 2 20% costlier
Music, General Bachelor's Degree 2 3% costlier
Religion/Religious Studies Bachelor's Degree 2 10% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 1 18% costlier
Physical Sciences Bachelor's Degree 1 6% costlier
Natural Sciences Bachelor's Degree 1 5% costlier
Art/Art Studies, General Bachelor's Degree 1 9% costlier


Use the calculators below to formulate a college savings plan for Concordia University Ann Arbor or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Concordia University Ann Arbor in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Concordia University Ann Arbor student loan.

Prepayment Option

About Concordia University Ann Arbor

Concordia University Ann Arbor is a four year private college located in Ann Arbor, Michigan.  The school is affiliated with the Lutheran Church - Missouri Synod faith.  Full time enrollment is 772 and part time is 274.

Students attending this school may pursue both undergraduate and graduate degrees.

Concordia University Ann Arbor
4090 Geddes Rd
Ann Arbor, Michigan

For Profit / Not For Profit Status

Concordia University Ann Arbor is a private not for profit institution.

Concordia University Ann Arbor cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=169363 IPEDS survey data.