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Cost & financial aid brief

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# Michigan Technological University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/michigan-technological-university/)Cost & aid[Outcomes](/school/michigan-technological-university/outcomes/)[Admissions](/school/michigan-technological-university/admissions/)[Majors](/school/michigan-technological-university/majors/)[Similar schools](/school/michigan-technological-university/similar/)

**On this page**+

## How much does Michigan Technological University cost after financial aid?

Michigan Technological University lists a published cost of attendance of $34,152. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $14,182, with financial aid offsetting $19,970 of that sticker total.

In its 2025-26 Common Data Set, the university reported sticker charges for the 2026-27 academic year: in-state tuition of $20,396 and out-of-state tuition of $46,294. Required fees are $382, and on-campus food and housing is $14,321.

These are published sticker charges rather than what aid recipients necessarily pay. At comparable institutions (same type and size), the peer median net price is $14,068; Michigan Technological University’s average is above it by $114.

Azimuth ranks the university #511 for affordability among nonprofit four-year institutions, placing its price near the peer middle rather than far from it.

At Michigan Technological University, average price is close to peer norms, though borrower debt is higher. Azimuth places the affordability pillar in the 64th percentile among nonprofit four-year institutions.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $14,182, $114 above the peer median of $14,068 for comparable institutions (same type and size). The average net price is $2,045 for the lowest family-income band and $23,107 for the highest.

Among borrowers who completed, median federal student loan debt is $24,990, $3,761 above the peer median of $21,229. The return picture is mixed on affordability: prices sit near peers, but typical borrower debt is higher.

At Michigan Technological University, family income shapes the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships. Families earning under thirty thousand dollars have an average net price of $2,045; from thirty thousand one dollars through forty-eight thousand dollars, it is $3,373; from forty-eight thousand one dollars through seventy-five thousand dollars, $6,187; from seventy-five thousand one dollars through one hundred ten thousand dollars, $12,813; and above one hundred ten thousand dollars, $23,107.

20.2% of undergraduates receive Pell Grants, which provides context for the lowest band. The spread between the lowest and highest bands is $21,062.

Average net price by family income

**$0–30K**
$2,045

**$30–48K**
$3,373

**$48–75K**
$6,187

**$75–110K**
$12,813

**$110K+**
$23,107

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$14,182**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

For the average aid recipient, aid covers about 58% of the published cost. The sticker-to-net gap is $19,970, leaving an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $14,182 against a published cost of attendance of $34,152.

Across the income bands, average net price is $2,045 in the lowest band, $3,373 in the next, $6,187 in the middle, $12,813 in the next-highest, and $23,107 in the highest. The $21,062 spread between the endpoints is a difference of band averages and shows lower prices for lower-income aid recipients than for higher-income aid recipients.

At Michigan Technological University, a published cost of attendance of $34,152 sits alongside sharply different average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s, what aid recipients pay after grants and scholarships, by family income. Families in the lowest family-income band average $2,045; those in the next-lowest band average $3,373; the middle band averages $6,187; the next-highest band averages $12,813; and the highest band averages $23,107.

The spread between the lowest and highest bands is $21,062. Azimuth ranks the university #511 for affordability among nonprofit four-year institutions.

For the average aid recipient, aid covers about 58% of the published cost, an average savings of $19,970. Across first-time full-time Title IV aid recipients, the average net price is $14,182.

The peer median, the middle value for comparable institutions (same type and size), is $14,068, placing Michigan Technological University $114 above that benchmark. Aid offsets much of the published cost, though the overall net price is close to the peer figure.

Among federal-loan borrowers who complete, median federal student loan debt is $24,990. The peer median for comparable institutions (same type and size) is $21,229, so Michigan Technological University is $3,761 above it; 91.4% of federal aid recipients borrow federal loans.

That debt corresponds to an estimated payment of $284 a month if repaid over ten years. For parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $29,300.

## Student loans: what does repayment look like?

Federal borrowing is widespread at Michigan Technological University: 91.4% of federal aid recipients take federal loans. Among borrowers who complete, median federal student loan debt is $24,990.

At comparable institutions (same type and size), the peer median is $21,229, making the university's median above by $3,761. For the separate parent-borrower population, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $29,300.

In its 2025-26 Common Data Set, the university reported that 59% of graduates borrowed from any source, averaging $35,920 in cumulative borrowing per borrower. The figures include 58% of graduates with federal loans, averaging $21,460. They also include 21% of graduates with private loans, averaging $40,680.

At Michigan Technological University, graduates earn about $15,394 more than the model expects for similar students. [Earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/) means the gap between what graduates earn and what the model expects for similar students; Azimuth places it in the 92nd percentile among nonprofit four-year institutions.

Four years after completion, median earnings are $84,560. Azimuth places that figure in the 92nd percentile among nonprofit four-year institutions.

The earnings scenarios place the typical case at $84,560, with a downside scenario of $66,808 and an upside scenario of $99,419. Median federal debt at completion is $24,990, above the $21,229 peer median at comparable institutions (same type and size) by $3,761.

That debt corresponds to an estimated payment of $284 a month if repaid over ten years. The earnings indicators are strong, though borrowing is higher than at comparable institutions.

Among parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $29,300. For student borrowers, median federal debt corresponds to an estimated payment of $284 a month if repaid over ten years.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$29,300

**Estimated parent payment**
$372/mo

Modeled Parent PLUS pressure by income

| Household income | Share of income above basic expenses | Risk level |
| --- | --- | --- |
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 21.9% | High pressure |
| $100,000 | 9.8% | Caution |
| $150,000 | 4.7% | Safe |
| $200,000 | 3.1% | Safe |

The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. [Open the parent tool for your own numbers](/financial-gps/?tool=parent&school=michigan-technological-university#parent-tool). [Read the assumptions and limits](#cost-data-notes).

## Student and parent loans: the monthly payments

Financial GPS

### What does repayment look like?

**Institution median student debt**
$24,990

**Institution Parent PLUS debt**
$29,300

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$284/mo

**Estimated Parent PLUS payment · monthly**
$372/mo

**Modeled student + parent payments**
$656/mo

Payments use school-wide median balances, not a specific major’s.

#### Student payment as a share of available income

At median graduate earnings of $84,560, with a $23,940 annual allowance for basic expenses:

**5.6%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  High risk Over 20%

How this estimate works

These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $23,940, uses the published framework’s 2026 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.

[Read the framework and its limits](/analysis/financial-gps-framework/).

Payment assumptions

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=michigan-technological-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), founder of College Azimuth.

Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.

Figure notes link to sources and limitations. [About College Azimuth](/about/).

**Net price and borrowing.** The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. [College Scorecard data and documentation](https://collegescorecard.ed.gov/data/).

A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.