Saginaw Valley State University Tuition & Cost
- 4/10 Overall Rating
- 4 Year
- University Center, MI
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How Much Does It Cost to Attend?
In State Michigan Resident Sticker Price
$27,690Out of State Resident Sticker Price
$45,210Breakdown
- Tuition $12,930
- Books and Supplies $1,160
- Other Fees $0
- Room and Board $12,340
- Budget for Other Expenses $1,260
- Total One Year Cost $27,690
- Tuition $30,450
- Books and Supplies $1,160
- Other Fees $0
- Room and Board $12,340
- Budget for Other Expenses $1,260
- Total One Year Cost $45,210
In-State Tuition
In-state tuition at Saginaw Valley State University for undergraduate students residing in Michigan is $12,930. Room and board charges total $12,340 per year. Students will also need to budget for books and supplies, which typically amount to $1,160 annually. Other administrative or academic fees are $0 for the year. Additionally, students should plan an estimated $1,260 for other miscellaneous expenses throughout the year. In sum, residents attending Saginaw Valley State University full time should expect a total annual cost of $27,690.
Out-of-State Tuition
Undergraduate tuition at Saginaw Valley State University is $30,450 for out-of-state students. Additionally, out-of-state students are charged $12,340 for room and board, $1,160 for textbooks and educational resources, plus fees of $0. Students are advised to budget $1,260 for other expenses. When these costs are combined, annual out-of-state charges total $45,210. This figure is 63.3% higher than what Michigan residents pay.
Housing Costs
On campus room and board is provided by the school at a cost of $12,340 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 educational supplies is $1,160.
Other Living Expenses
If living on-campus, students should budget for $1,260 in additional living expenses. Off-campus students should budget for $2,830 in other miscellaneous living expenses.
All price data is sourced from the IPEDS 2025 survey for academic year 2024/2025.
Net Price
The average reported annual net price for Saginaw Valley State University for students receiving grants or scholarship aid was $11,546* in 2023/2024. Net price includes tuition and required fees, books and supplies, and average cost for room and board and other expenses.
Average Net Price 2023/2024
$11,546Below is the average net price by student family income.
The net price provides a more realistic estimate of the true cost of attending Saginaw Valley State University, once common grants and scholarships have been taken into account. It's important to note that your net price will fluctuate based on factors such as family income, assets and individual financial need. Net price is the out-of-pocket total cost that students end up paying or financing though student loans.
*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's IPEDS 2025 survey for academic year 2023/2024. 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.
Financial Aid
98% of full-time undergrad Saginaw Valley State University received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $13,512 per student during the 2023/2024 school year. Grant and scholarship aid does not need to be paid back.
Pell Grants
42 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2023/2024 was $5,409. 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).
Student Loans
48% of students received Federal Student Loans averaging $4,933 and 4% of undergrads took out private student loans averaging $9,949.
Data Source, IPEDS 2025 survey for academic year 2023/2024
Financial Aid Mix - $27,690 In-State Total Cost
CollegeSimply has modeled example payment coverage for the annual in-state tuition and living expenses of $27,690. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.
Grants and Scholarships
51% - $13,512
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 Student Loans
19% - $4,933
Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.
Out of Pocket Cost
30% - $7,985
Covered by family savings, work or private student loans which you will have to repay.
Student Loans
To gauge a more realistic picture of what it really could cost you out of pocket to go to Saginaw Valley State University, we've modeled a ten year student loan with an original principal value of $46,184. The loan balance of $46,184 is a four year multiple of the $11,546 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $525 could be required to pay off your student loan. The total of all payments including interest would sum $62,985.61.
Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. The current Stafford loan interest rate is 6.52%.
Student Loan Affordability
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, should 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 $62,985.61 would be needed to afford a $524.88 monthly payment in the example $46,184.00 loan modeled above. This assumes a repayment over 10 years. You can change the terms of this example loan using the student loan calculator below. View statistics about Saginaw Valley State University student loan debt and graduate salaries under student outcomes.
Projected 4 Year Degree Price
4 Year Sticker Price
$110,760Based on published tuition prices, we estimate the current cost of a 4 year bachelor's degree and living expenses at Saginaw Valley State University to be $110,760 - assuming graduation in normal time. The estimation assumes a 4.9% annual increase over the next 4 years which has been the recent trend for this school.
Tuition Details
Credit Hour Cost and Price per Class
Estimated cost for a class at Saginaw Valley State University based on published credit hour prices. Note that not all schools allow single class enrollment. These prices should be used for comparison purposes as to how much it may cost to take a class at Saginaw Valley State University versus other colleges.
Tuition Payment Plans Available
Tuition History
Historical in-state and out-of-state tuition and price increases for Saginaw Valley State University.
Plan and Calculate Costs
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.
Costs for Similar Colleges
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Data source: NCES / IPEDS https://nces.ed.gov/collegenavigator/?id=172051.
Last updated: August 2026