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Annual Costs

Undergraduate Tuition

Southwestern Michigan College tuition is $3,540 per year for in-district residents. This is 19% more expensive than the national average public two year in-district tuition of $2,965. The cost is 1% more expensive than the average Michigan in-district tuition of $3,508 for 2 year colleges. Tuition ranks 24th in Michigan amongst 2 year colleges for affordability and is the 9th most expensive 2 year college in the state.

The school charges an additional fees of $1,485 in addition to tuition bringing the total effective in-state tuition to $6,105.

Housing Costs

On campus room and board is provided by the school at a cost of $9,950 per academic year. Students electing to live off campus elsewhere in Dowagiac should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,722.

Other Living Expenses

If living on-campus, students should budget for $1,789 in additional living expenses. Off-campus students should budget for $2,449 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-district residents to go to SMC is $18,486 for the 2017/2018 academic year. The total cost for in-state, but not in district residents is $19,566. Out-of-state students who don't possess Michigan residence can expect a one year cost of $19,986.

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

Costs and Tuition for Southwestern Michigan College
Estimated Budgets
In-District Resident Total Budget $18,486
   In-District Tuition$3,540
   Other Fees$1,485
   On-Campus Other Budget$1,789
   Books and Supplies$1,722
   Room and Board$9,950
Michigan Out of District Total Budget $20,226
   In-State Tuition$4,620
   Other Fees$1,485
   Room and Board$9,950
   On-Campus Other Budget$1,789
   Books and Supplies$1,722

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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 $19,566 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 SMC net price for in-state students is $8,490* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

79% of Southwestern Michigan College students received grant aid in 2014/2015. The average total aid amount was $4,777. 64 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 $4,191. To apply for a Pell Grant to attend Southwestern Michigan College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Southwestern Michigan College
Financial Aid Summary
Average Annual Net Price$8,490*
Percent of Students Receiving Grant Aid79%
Average Total Grant Aid$4,777
Percent of Students Receiving Pell Grants64%
Average Amount of Pell Grant Aid$4,191

Average Net Price for In-State Students 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$7,367
$30,001 to $48,000$8,503
$48,001 to $75,000$10,191
$75,001 to $110,000$12,937
$110,000+$13,131

Average Financial Aid Mix - $19,566 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $19,566. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

27%
28%
46%

Grants and Scholarships

 27% - $4,777

Money granted to you by the U.S. Department of Education, Southwestern Michigan College or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 28% - $4,890

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

Out of Pocket

 46% -  $8,110

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


*Reported Average Annual Net Price for in state 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 Community Colleges in the Region

School Cost vs. Southwestern Michigan College
Lake Michigan College2.3% more expensive
Ivy Tech Community College Northcentral30% less expensive
Kalamazoo Valley Community College17.2% more expensive
Glen Oaks Community College9.1% less expensive
Kellogg Community College21% more expensive

Cost of a Degree

Being a school offering two year programs, prospective students should consider the multi year outlay when budgeting the cost for two years at Southwestern Michigan College.

Estimated 2 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 2 year associate degree at SMC is $39,132 for students graduating in normal time. This methodology for estimating the 2 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 $6,958 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $13,916**

**Based on a 2 year multiple of Average Annual Net Price for in state 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 Southwestern Michigan College.

Michigan Resident Tuition Per Semester$2,310
Michigan Resident Total Cost Per Semester$9,783
Non-Michigan Resident Tuition Per Semester$2,520
Non-Michigan Resident Total Cost Per Semester$9,993

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 Southwestern Michigan College 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 Southwestern Michigan College
Price per credit hour for in district residents$118
Cost for one class for in district residents (3 credit hours)$354
Price per credit hour for Michigan residents$154
Cost for one class for Michigan residents (3 credit hours)$462
Price per credit hour for out of state residents$168
Cost for one class for out of state residents (3 credit hours)$504
Cost for one class for out of state residents (4 credit hours)$672

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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. 47% of Southwestern Michigan College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,890.

Example Loan Payments and Costs

How much are student loan payments for Southwestern Michigan College? 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 $13,916, 100% of the estimated average net price for a two year program and paid nothing while enrolled. The total of all payments including interest would sum $17,266.56. This could be your effective total out of pocket cost of an education at Southwestern Michigan College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 79% of students at this school who receive financial aid and you are paying an average annual net price of $6,958. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Southwestern Michigan College 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.

Southwestern Michigan College Student Loan Payments
Example Payments
Monthly Loan Payment$143.89
Amount Borrowed$13,916.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$3,350.56
Sum of All Payments over 10 years$17,266.56

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend SMC? 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 Southwestern Michigan College, 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 $17,266.56 would be needed to afford a $143.89 monthly payment in the example $13,916.00 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 Southwestern Michigan College in the future? In the past four years, this school's published in-state tuition and fee total rose from $4,177 to $4,620. This amounts to an average annual price increase of 2.1%. 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 2 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 2 year cost of $39,132.00. 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 Southwestern Michigan College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$25,596$51,192
Estimated Cost in 10 years for students enrolling in 2029$32,668$65,335
Estimated Cost in 15 years for students enrolling in 2034 $41,693$83,386
Estimated Cost in 18 years for students enrolling in 2037 $48,265$96,530

Tuition History

What was tuition at SMC 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.

YearIn-StateOut-of-stateAnnual Increase
2012$3,976$4,332 6.4%
2011$3,736$4,061 -13.8%
2010$4,332$4,627 9%
2009$3,976$4,239 6.2%
2008$3,743$3,991 8.8%
2007$3,441$3,658 10.2%
2006$3,123$3,333 22.2%
2005$2,555$2,741 0%
2004$2,555$2,617 11.2%
2003$2,297$3,003 13.4%
2002$2,025$2,645 2.8%
2001$1,970$2,536 3.7%
2000$1,900$2,458 -7.1%
1999$2,046$2,418 0%
1998$2,046$2,418 3.1%
1997$1,984$2,356 8.5%
1996$1,829$2,201 3.5%
1995$1,767$2,139 5.6%
1994$1,674$2,046 8%
1993$1,550$1,860 8.7%
1992$1,426$1,736 0%
1991$1,426$1,736 12.8%
1990$1,264$1,424 0%
1989$1,264$1,424 0%
1988$1,264$1,424

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Southwestern Michigan College 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
Liberal Arts and Sciences/Liberal Studies Associate's Degree 119 10% cheaper
Registered Nursing/Registered Nurse Associate's Degree 37 1% cheaper
Accounting Technology/Technician and Bookkeeping Associate's Degree 15 2% costlier
General Studies Associate's Degree 12 5% cheaper
Graphic and Printing Equipment Operator, General Production Associate's Degree 10 11% costlier
Health Information/Medical Records Technology/Technician Associate's Degree 10 4% costlier
Drafting and Design Technology/Technician, General Associate's Degree 10 16% costlier
Medical/Clinical Assistant Associate's Degree 9 2% cheaper
Electrical, Electronic and Communications Engineering Technology/Technician Associate's Degree 8 2% costlier
Business Administration and Management, General Associate's Degree 6 8% cheaper
Early Childhood Education and Teaching Associate's Degree 4 5% costlier
Automobile/Automotive Mechanics Technology/Technician Associate's Degree 4 9% costlier
Industrial Mechanics and Maintenance Technology Associate's Degree 4 15% costlier
Industrial Production Technologies/Technicians, Other Associate's Degree 4 5% costlier
Computer Programming/Programmer, General Associate's Degree 3 8% costlier
Computer Systems Networking and Telecommunications Associate's Degree 2 6% costlier
Social Work Associate's Degree 2 10% costlier
Computer Support Specialist Associate's Degree 2 5% costlier
Executive Assistant/Executive Secretary Associate's Degree 1 15% costlier
Teacher Assistant/Aide Associate's Degree 1 6% costlier
Machine Tool Technology/Machinist Associate's Degree 1 12% costlier

Calculators

Use the calculators below to formulate a college savings plan for Southwestern Michigan College 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 Southwestern Michigan College 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 Southwestern Michigan College student loan.

Prepayment Option

About Southwestern Michigan College

Southwestern Michigan College is a two year community college located in Dowagiac, Michigan.  Full time enrollment is 1,059 and part time is 1,193.  Southwestern Michigan College has an open admission policy meaning that any prospective student who has completed high school or attained a GED certificate may enroll in classes.

Only undergraduate degrees are offered at this school.

Address
Southwestern Michigan College
58900 Cherry Grove Rd
Dowagiac, Michigan
49047-9793

For Profit / Not For Profit Status

Southwestern Michigan College is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

Southwestern Michigan College cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=172307 IPEDS survey data.