Annual Costs

Undergraduate Tuition

Saginaw Valley State University tuition is $9,870 per year for in-state residents. This is 37% more expensive than the national average public four year tuition of $7,203. The cost is 49% cheaper than the average Michigan tuition of $19,309 for 4 year colleges. Tuition ranks 12th in Michigan amongst 4 year colleges for affordability and is the 47th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $23,777 which represents a 141% premium.

The school charges an additional fees of $438 in addition to tuition bringing the total effective in-state tuition to $10,308.

Housing Costs

On campus room and board is provided by the school at a cost of $9,749 per academic year. Students electing to live off campus elsewhere in University Center should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,035.

Other Living Expenses

If living on-campus, students should budget for $1,162 in additional living expenses. Off-campus students should budget for $3,366 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Michigan residents to go to Saginaw Valley State University is $22,254 for the 2018/2019 academic year. Out-of-state students who don't have Michigan residence can expect a one year cost of $36,161.

Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for Saginaw Valley State University and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Saginaw Valley State University
Estimated Budgets
Michigan Resident Total Budget $22,254
   In-State Tuition$9,870
   Other Fees$438
   Room and Board$9,749
   On-Campus Other Budget$1,162
   Books and Supplies$1,035
Non-Resident Total Budget $36,161
   Out-of-State Tuition$23,777
   Other Fees$438
   Room and Board$9,749
   On-Campus Other Budget$1,162
   Books and Supplies$1,035


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 $22,254 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 Saginaw Valley State University net price for in-state students is $13,991* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

85% of Saginaw Valley State University students received grant aid in 2014/2015. The average total aid amount was $6,393. 36 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 $4,365. To apply for a Pell Grant to attend Saginaw Valley State University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Saginaw Valley State University
Financial Aid Summary
Average Annual Net Price$13,991*
Percent of Students Receiving Grant Aid85%
Average Total Grant Aid$6,393
Percent of Students Receiving Pell Grants36%
Average Amount of Pell Grant Aid$4,365

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$12,221
$30,001 to $48,000$12,193
$48,001 to $75,000$14,906
$75,001 to $110,000$16,309

Average Financial Aid Mix - $22,254 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $22,254. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 30% - $6,393

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

Federal Loans

 29% - $6,144

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

Out of Pocket

 41% -  $8,555

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 Public Colleges in the Region

School Cost vs. Saginaw Valley State University
Oakland University27.7% more expensive
Ferris State University19.4% more expensive
Wayne State University16.9% more expensive
Bowling Green State University Main Campus7.8% less expensive
University of Wisconsin Milwaukee18% 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 Saginaw Valley State University.

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 Saginaw Valley State University is $89,016 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 $11,027 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $44,108**

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 $111,270 or $55,135 using an average net price.

**Based on a 4 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 Saginaw Valley State University.

Michigan Resident Tuition Per Semester$4,935
Michigan Resident Total Cost Per Semester$11,127
Non-Michigan Resident Tuition Per Semester$11,888
Non-Michigan Resident Total Cost Per Semester$18,080

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 Saginaw Valley State University 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 Saginaw Valley State University
Price per credit hour for Michigan residents$329
Cost for one class for Michigan residents (3 credit hours)$987
Price per credit hour for out of state residents$793
Cost for one class for out of state residents (3 credit hours)$2,379
Cost for one class for out of state residents (4 credit hours)$3,172


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. 66% of Saginaw Valley State University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $6,144.

Example Loan Payments and Costs

How much are student loan payments for Saginaw Valley State University? 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 $44,108, 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 $54,727.91. This could be your effective total out of pocket cost of an education at Saginaw Valley State University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 85% of students at this school who receive financial aid and you are paying an average annual net price of $11,027. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Saginaw Valley State University 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.

Saginaw Valley State University Student Loan Payments
Example Payments
Monthly Loan Payment$456.07
Amount Borrowed$44,108.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$10,619.91
Sum of All Payments over 10 years$54,727.91

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Saginaw Valley State University? 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 Saginaw Valley State University, 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 $54,727.91 would be needed to afford a $456.07 monthly payment in the example $44,108.00 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 Saginaw Valley State University in the future? In the past four years, this school's published in-state tuition and fee total rose from $7,682 to $9,870. This amounts to an average annual price increase of 5.7%. 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 in-state 4 year cost of $89,016.00. 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 Saginaw Valley State University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$30,604$122,418
Estimated Cost in 10 years for students enrolling in 2030$39,060$156,240
Estimated Cost in 15 years for students enrolling in 2035 $49,851$199,406
Estimated Cost in 18 years for students enrolling in 2038 $57,709$230,837

Tuition History

What was tuition at Saginaw Valley State University 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$7,377$17,910 7.4%
2011$6,870$16,719 -0.4%
2010$6,900$16,200 6.3%
2009$6,492$14,891 3.7%
2008$6,258$14,283 12.9%
2007$5,543$12,541 4.9%
2006$5,282$11,891 7.5%
2005$4,913$11,019 2.4%
2004$4,798$10,388 9.5%
2003$4,382$9,288 12.4%
2002$3,898$8,161 8%
2001$3,608$7,410 -0.6%
2000$3,628$7,285 2.9%
1999$3,526$6,950 2.3%
1998$3,447$6,944 2.9%
1997$3,350$6,727 2.8%
1996$3,259$6,541 5%
1995$3,103$6,222 7.3%
1994$2,891$5,890 10.3%
1993$2,620$5,386 8%
1992$2,426$4,976 6.8%
1991$2,271$4,526 6.6%
1990$2,131$4,363 8.8%
1989$1,959$4,030 9.9%
1988$1,782$3,520 5%

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Saginaw Valley State University 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
Registered Nursing/Registered Nurse Bachelor's Degree 131 1% costlier
Social Work Bachelor's Degree 93 0% costlier
Elementary Education and Teaching Bachelor's Degree 56 2% costlier
Special Education and Teaching, General Bachelor's Degree 42 2% costlier
Psychology, General Bachelor's Degree 37 11% cheaper
Health/Medical Preparatory Programs, Other Bachelor's Degree 29 5% cheaper
Mechanical Engineering Bachelor's Degree 27 15% cheaper
Kinesiology and Exercise Science Bachelor's Degree 27 6% cheaper
Electrical and Electronics Engineering Bachelor's Degree 25 14% cheaper
Computer Systems Analysis/Analyst Bachelor's Degree 23 26% costlier
Business/Commerce, General Bachelor's Degree 18 4% cheaper
Computer and Information Sciences, General Bachelor's Degree 16 2% cheaper
Science Teacher Education/General Science Teacher Education Bachelor's Degree 15 6% costlier
Sociology Bachelor's Degree 15 12% cheaper
Art/Art Studies, General Bachelor's Degree 14 8% cheaper
Athletic Training/Trainer Bachelor's Degree 11 4% cheaper
Fine/Studio Arts, General Bachelor's Degree 11 16% cheaper
Chemistry, General Bachelor's Degree 9 13% cheaper
Creative Writing Bachelor's Degree 8 21% cheaper
Biochemistry Bachelor's Degree 8 22% cheaper
Spanish Language and Literature Bachelor's Degree 8 16% cheaper
Speech Communication and Rhetoric Bachelor's Degree 7 9% cheaper
Political Science and Government, General Bachelor's Degree 7 13% cheaper
History, General Bachelor's Degree 7 12% cheaper
International/Global Studies Bachelor's Degree 7 18% cheaper
Marketing/Marketing Management, General Bachelor's Degree 7 1% cheaper
Business Administration and Management, General Bachelor's Degree 6 5% costlier
Music, General Bachelor's Degree 6 12% cheaper
Public Administration Bachelor's Degree 6 6% costlier
Finance, General Bachelor's Degree 4 3% cheaper
Chemistry, Other Bachelor's Degree 4 14% cheaper
Engineering/Industrial Management Bachelor's Degree 4 8% cheaper
Physics, General Bachelor's Degree 3 18% cheaper
Criminal Justice/Safety Studies Bachelor's Degree 3 6% costlier
French Language and Literature Bachelor's Degree 3 22% cheaper
Health Professions and Related Clinical Sciences, Other Bachelor's Degree 3 7% cheaper
Physical Education Teaching and Coaching Bachelor's Degree 3 3% costlier
Economics, General Bachelor's Degree 2 19% cheaper
Accounting Bachelor's Degree 2 3% cheaper
Biology/Biological Sciences, General Bachelor's Degree 2 11% cheaper
Graphic Design Bachelor's Degree 2 10% cheaper
English/Language Arts Teacher Education Bachelor's Degree 2 3% costlier
Professional, Technical, Business, and Scientific Writing Bachelor's Degree 2 7% cheaper
Applied Mathematics, General Bachelor's Degree 2 20% cheaper
Multi-/Interdisciplinary Studies, Other Bachelor's Degree 2 14% cheaper
History Teacher Education Bachelor's Degree 1 4% costlier
International Business/Trade/Commerce Bachelor's Degree 1 12% cheaper
Mathematics, General Bachelor's Degree 1 12% cheaper
English Language and Literature, General Bachelor's Degree 1 10% cheaper
International Relations and Affairs Bachelor's Degree 1 23% cheaper
Clinical Laboratory Science/Medical Technology/Technologist Bachelor's Degree 1 1% costlier
Education, General Bachelor's Degree 1 15% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 1 15% cheaper


Use the calculators below to formulate a college savings plan for Saginaw Valley State University 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 Saginaw Valley State University 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 Saginaw Valley State University student loan.

Prepayment Option

About Saginaw Valley State University

Saginaw Valley State University is a four year public college located in University Center, Michigan.  Full time enrollment is 6,743 and part time is 1,772. Learn more about getting accepted at Saginaw Valley State University at CollegeSimply.

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

Saginaw Valley State University
7400 Bay Rd
University Center, Michigan

For Profit / Not For Profit Status

Saginaw Valley State University 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.

Saginaw Valley State University cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=172051 IPEDS survey data.