Annual Costs

Undergraduate Tuition

Tuition for Spring Arbor University is $27,150 for the 2017/2018 academic year. This is 2% cheaper than the national average private non-profit four year college tuition of $27,755. The cost is 43% more expensive than the average Michigan tuition of $19,001 for 4 year colleges. Tuition ranks 45th in Michigan amongst 4 year colleges for affordability and is the 14th most expensive 4 year college in the state. Price does not vary by residence.

The school charges an additional fees of $600 in addition to tuition bringing the total effective in-state tuition to $27,750.

Housing Costs

On campus room and board is provided by the school at a cost of $9,640 per academic year. Students electing to live off campus elsewhere in Spring Arbor should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $800.

Other Living Expenses

If living on-campus, students should budget for $1,780 in additional living expenses. Off-campus students should budget for $1,780 in other miscellaneous living expenses.

Total Costs

The annual tuition and living expense budget to go to SAU was $39,970 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 Spring Arbor University and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Spring Arbor University
Estimated Budgets
Michigan Resident Total Budget $39,970
   In-State Tuition$27,150
   Other Fees$600
   Room and Board$9,640
   On-Campus Other Budget$1,780
   Books and Supplies$800
Non-Resident Total Budget $39,970
   Out-of-State Tuition$27,150
   Other Fees$600
   Room and Board$9,640
   On-Campus Other Budget$1,780
   Books and Supplies$800


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 $39,970 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 SAU net price for in-state students is $17,753* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

99% of Spring Arbor University students received grant aid in 2014/2015. The average total aid amount was $16,019. 48 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 $4,174. To apply for a Pell Grant to attend Spring Arbor University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Spring Arbor University
Financial Aid Summary
Average Annual Net Price$17,753*
Percent of Students Receiving Grant Aid99%
Average Total Grant Aid$16,019
Percent of Students Receiving Pell Grants48%
Average Amount of Pell Grant Aid$4,174

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$13,911
$30,001 to $48,000$15,074
$48,001 to $75,000$16,419
$75,001 to $110,000$19,509

Average Financial Aid Mix - $39,970 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $39,970. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 42% - $16,019

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

Federal Loans

 17% - $6,567

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

Out of Pocket

 41% -  $15,604

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. Spring Arbor University
Olivet College5% less expensive
Cleary University28.2% less expensive
Lawrence Technological University15.7% more expensive
University of Detroit Mercy51.6% more expensive
Kuyper College24.5% 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 Spring Arbor 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 SAU is $159,880 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 $15,221 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $60,884**

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 $199,850 or $76,105 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 Spring Arbor University.

Michigan Resident Tuition Per Semester$13,575
Michigan Resident Total Cost Per Semester$19,985

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 Spring Arbor 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 Spring Arbor University
Price per credit hour$660
Cost for one class (3 credit hours)$1,980
Cost for one class (4 credit hours)$2,640


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. 83% of Spring Arbor University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $6,567. The reported average student debt upon graduation is $32,791.

Example Loan Payments and Costs

How much are student loan payments for Spring Arbor 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 $60,884, 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 $75,543.08. This could be your effective total out of pocket cost of an education at Spring Arbor University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 99% of students at this school who receive financial aid and you are paying an average annual net price of $15,221. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Spring Arbor 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.

Spring Arbor University Student Loan Payments
Example Payments
Monthly Loan Payment$629.53
Amount Borrowed$60,884.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$14,659.08
Sum of All Payments over 10 years$75,543.08

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend SAU? 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 Spring Arbor 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 $75,543.08 would be needed to afford a $629.53 monthly payment in the example $60,884.00 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 Spring Arbor University in the future? In the past four years, this school's published in-state tuition and fee total rose from $21,998 to $27,150. This amounts to an average annual price increase of 4.7%. 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 4 year cost of $159,880.00. 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 Spring Arbor University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$54,968$219,872
Estimated Cost in 10 years for students enrolling in 2029$70,155$280,619
Estimated Cost in 15 years for students enrolling in 2034 $89,537$358,149
Estimated Cost in 18 years for students enrolling in 2037 $103,651$414,602

Tuition History

What was tuition at SAU 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 Spring Arbor 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
Operations Management and Supervision Bachelor's Degree 183 22% costlier
Family Systems Bachelor's Degree 107 20% costlier
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing, Other Bachelor's Degree 79 3% cheaper
Social Studies Teacher Education Bachelor's Degree 21 7% costlier
Biology/Biological Sciences, General Bachelor's Degree 17 1% cheaper
Education/Teaching of Individuals in Elementary Special Education Programs Bachelor's Degree 16 1% cheaper
Elementary Education and Teaching Bachelor's Degree 14 13% costlier
English/Language Arts Teacher Education Bachelor's Degree 11 14% costlier
Liberal Arts and Sciences/Liberal Studies Associate's Degree 9 80% costlier
Youth Ministry Bachelor's Degree 9 17% costlier
Communication and Media Studies, Other Bachelor's Degree 9 12% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 9 11% costlier
Art/Art Studies, General Bachelor's Degree 8 2% costlier
Parks, Recreation and Leisure Studies Bachelor's Degree 7 15% costlier
Advertising Bachelor's Degree 7 3% costlier
History, General Bachelor's Degree 6 2% cheaper
Film/Cinema/Video Studies Bachelor's Degree 6 21% cheaper
Social Sciences, General Bachelor's Degree 6 4% costlier
Music, Other Bachelor's Degree 6 9% cheaper
Accounting Bachelor's Degree 5 7% costlier
Radio and Television Bachelor's Degree 4 4% costlier
Biology Teacher Education Bachelor's Degree 4 19% costlier
Psychology, General Bachelor's Degree 4 1% cheaper
Marketing/Marketing Management, General Bachelor's Degree 4 10% costlier
Religion/Religious Studies Bachelor's Degree 4 16% cheaper
Sociology Bachelor's Degree 4 3% cheaper
Chemistry, General Bachelor's Degree 4 4% cheaper
Health/Health Care Administration/Management Bachelor's Degree 3 22% costlier
Computer Science Bachelor's Degree 3 5% cheaper
Music, General Bachelor's Degree 3 3% cheaper
Pastoral Studies/Counseling Bachelor's Degree 3 29% costlier
Finance, General Bachelor's Degree 3 7% costlier
Philosophy and Religious Studies, Other Bachelor's Degree 2 0% cheaper
Spanish Language and Literature Bachelor's Degree 2 7% cheaper
English Language and Literature/Letters, Other Bachelor's Degree 2 15% cheaper
Mathematics, General Bachelor's Degree 2 3% cheaper
Speech Communication and Rhetoric Bachelor's Degree 1 1% costlier
Political Science and Government, General Bachelor's Degree 1 4% cheaper
Art Teacher Education Bachelor's Degree 1 10% costlier
Design and Visual Communications, General Bachelor's Degree 1 1% costlier
Mathematics Teacher Education Bachelor's Degree 1 13% costlier
Business Administration and Management, General Bachelor's Degree 1 16% costlier
Biochemistry Bachelor's Degree 1 14% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 1 6% cheaper
Education, General Bachelor's Degree 1 7% cheaper
Social Work Bachelor's Degree 1 11% costlier
History Teacher Education Bachelor's Degree 1 15% costlier
Education/Teaching of Individuals in Secondary Special Education Programs Bachelor's Degree 1 5% cheaper
Keyboard Instruments Associate's Degree 1 5% costlier


Use the calculators below to formulate a college savings plan for Spring Arbor 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 Spring Arbor 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 Spring Arbor University student loan.

Prepayment Option

About Spring Arbor University

Spring Arbor University is a four year private college located in Spring Arbor, Michigan.  The school is affiliated with the Free Methodist faith.  Full time enrollment is 2,455 and part time is 886.

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

Spring Arbor University
106 E. Main St
Spring Arbor, Michigan

For Profit / Not For Profit Status

Spring Arbor University is a private not for profit institution.

Spring Arbor University cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=172334 IPEDS survey data.