Saginaw Valley State University

In 2022, tuition for full-time Saginaw Valley State University students was $11,565 a year for in-state students and $27,164 a year for out-of-state students.

Usually, college tuition rises about 3% year.

If this information makes going to college sound impossible, remember, the "sticker price" of tuition does not give you all the info you need to know how much you will actually have to pay for college. Many students find the actual cost of college is far less than the total tuition after grants, scholarships, and tuition discounts kick in. Additionally, student loans can make thecost of college feel more doable until you've finishing school and found a job.

In-state vs. Out-of-state Tuition at Saginaw Valley State University

Saginaw Valley State University is a public, state institution, which means it offers a reduced tuition rate of $11,565 for in-state students who attend full-time.

Public colleges and universities receive funding from the state government. These institutions offer a lower cost of attendance for those who qualify as Michigan residents.

Attending a school where you are eligible for in-state tuition can drastically reduce the overall cost of college. Don't forget to check your state's requirements for in-state tuition. Every state has its own rules about what makes someone eligible for in-state tuition. Most states require students to have resided in the state for a certain period of time before qualifying. There may be other criteria as well, depending on the state you and your parents currently live in.

Explore other Michigan colleges

Do International Students Pay More to Go to Saginaw Valley State University?

Tuition at Saginaw Valley State University is the same for all students.

Students from outside of the U.S. usually do not qualify for for loans or grants from the U.S. government, but should research private or Saginaw Valley State University-specific aid and scholarships. International students with need may qualify for the following types of financial support at Saginaw Valley State University:

•On-campus jobs •Athletic Awards •Saginaw Valley State University-specific scholarships

International students without financial need may be eligible for merit-based institutional scholarships and athletic awards.

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Saginaw Valley State University Room, Board, Fees, and More

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In addition to the cost of tuition, there are other costs associated with college, like room and board, facility fees, and books and supplies. Let's take a look at what impacts these costs, and what to expect at Saginaw Valley State University.

House and Food Costs at Saginaw Valley State University

Housing and campus dining at Saginaw Valley State University is $11,400 a year. This includes the cost of living in dorms or other on-campus housing, and a meal plan that enables you to eat in the school dining halls.

Meal-plan costs may vary depending on the numnber of meals you intend to eat on-campus

Cost of Books at Saginaw Valley State University

The cost of books often surprises first-year college students. The real cost of books depends on the courses you take and what kinds of books and materials they require. To save money, many students choose to use books from the library or buy used textbooks and materials.

Annual Fees

The majority of colleges also have fees to offsets cost associated with maintaining facilties, like the computer labs and libraries, athletic facilities, and more.

Keep in mind, there could also be optional fees associated with participating in special activities, like joining a fraternity or sorority, or playing on an intramural sports team. Many schools have resources so that those who may struggle to participate because of cost can get help covering these fees.

Planes, Trains, and Automobiles: Transportation costs at Saginaw Valley State University

The total cost of getting around in college can really vary. Will you drive, fly, or take public transportation to school? Will you need to pay to park on-campus? Is the campus easy to get around on foot? Do you own a car, or will you need to use busses, subways, or other modes of transportation? All of these questions can make a big difference in your estimated cost of transportation. Keeping in mind, first-year students are allowed to park a car on campus.

A school's location can impact transportation costs. Small, rural schools may be easier to get around, but the cost of getting to campus may be higher. On the flip side, transportation in an urban area can be expensive, but cities may offer more trains, busses and affordable flights to actually get to school. Saginaw Valley State Universityis in a small town setting in Michigan, not far from Detroit.

Other Costs

When creating a budget for college, don’t forget to leave some room in your budget for personal expenses, like entertainment, clothes, furnishings and toiletries.

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Financial Breakdown for Saginaw Valley State University

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Now, let’s look at the breakdown of all expenses, to get a better idea of how much students can expect to shell out for Saginaw Valley State University.

How Much Does Saginaw Valley State University Cost?

What will the cost of attending Saginaw Valley State University be? Here is a breakdown of tuition and expenses.

2022 Total Tuition and Expenses
In-state Tuition	$11,565
Out-of-State Tuition	$27,164
Room and Board	$11,400
Other expenses	$1,210

The total estimated cost will vary depending on whether you are going to live on-campus or off-campus.

Tuition and fees may vary depending on program, course level, location, and more.

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Saginaw Valley State University Financial Aid

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The majority of Saginaw Valley State University undergrads use financial aid to help pay for school. In 2022, 3,634 of the 6,789 undergrads enrolled received financial aid. Saginaw Valley State University meets 69% of the demonstrated financial need for undergraduates.

The average financial aid package for a full-time, first-year student is around $12,703 a year. Around 70.78% of Saginaw Valley State University undergrads take out student loans to cover any remaining costs. Saginaw Valley State University graduates who have student loans graduate with an average of $30,755.83 of student loan debt.

The average debt for each loan type varies.

Average Debt By Loan Type
Federal Loans	$25,177.71
Private Loans	$26,149.28

Most Common Loans for Saginaw Valley State University Students
Federal Loans	69.08%
Private loans	16.74%

Most students take out institutional or government loans, because they tend to have lower interest rates and more flexible repayment options than private loans. Loans from the federal government can be subsidized or unsubsidized. Subsidized loans do not accrue interest during school, while unsubsidized loans begin accruing interest at the time the loan is issued. If students do no qualify for enough federal loans to cover the cost of tuition, some take out private loans. Parents can also take out ParentPLUS loans, which are government loans for parents who are helping their children pay for college.

The Free Application for Federal Student Aid (FAFSA) helps colleges determine how much financial need students and their familes have, so they can offer a financial aid package that meets, or come close to meeting, their need. For more information on Saginaw Valley State University financial aid, keep reading, or visit their financial aid website.

Scholarships at Saginaw Valley State University

Some students may receive grants and scholarships to help pay for college. Unlike loans, scholarships and grants do not have to be paid back.

In 2022, Saginaw Valley State University awarded 3,386 need-based scholarships to students, giving away total of $30.5 million to help students with financial need cover the cost of school. An additional $10.43 million in merit-based scholarship money was awarded to students without demonstrated financial need.

Saginaw Valley State University Net Cost

The net price of college is the actual cost of attending a school for one year. Net cost is calculated by subtracting any scholarships, grants or other aid that does not need to be paid back from the total cost. Student loans are not part of the calculation, because they need to be repaid.

Now that we have a sense of the total estimated costs for Saginaw Valley State University students, we can subtract the average financial aid package to find the estimated net cost. Net cost can vary depending on a students’ need and the financial aid award received.

When considering whether a school fits your budget, it is important to consider the estimated net cost, not just the sticker price of tuition. Often, schools with the highest tuition also offer the most generous aid packages, so estimate your net cost before eliminating a school because it does fit your budget.

The average amount of financial aid received by a full-time first year student with demonstrated need at Saginaw Valley State University was $12,703 in 2022. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of Saginaw Valley State University seem more manageable.

Estimated Net Cost for Full-Time Students
In-State, On-Campus	$-121
Net In-state, Off-campus	$-28
Out-of-State, On-Campus	$28,180.5

Note: a negative number can indicate that a refund will be given to use toward other expenses such as housing, fees, and books. In such cases, be sure to reach out to the school directly for any clarification or questions.

What will attending Saginaw Valley State University really cost you? The answer depends on several factors.

As of 2011, colleges are required to have a net price calculator on their website to help prospective students and their families understand the actual cost of attending that school, based on their financial situation. You can find the Saginaw Valley State University's net cost calculator on their website.

Saginaw Valley State University Tuition Payment Plans

Some students choose to use payment plans to make the cost of tuition fit more comfortably in their budget.

Students cannot pay tuition in installments. Contact the financial aid office to verify this and discuss options.

Saginaw Valley State University Tuition Waivers

Schools sometimes waiver tuition for certain groups, to make attending more affordable. Some colleges offer tuition waivers for employees and their family members, underrepresented students, or military students. Even with a tuition waiver, other expenses and fees are the responsibility of the student.

Check the financial aid website for more information on payment plans and tuition waivers.

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Learn More About Saginaw Valley State University

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