Cost & financial aid brief
University of Michigan-Dearborn Tuition, Costs & Financial Aid
How much does University of Michigan-Dearborn cost after financial aid?
The average net price across all aid recipients is $9,492, and aid covers about 61% of the published cost for that group, an offset of $14,548 against the sticker total. By income band, the average net price is $7,211 for families earning under $30,000, $6,284 for the $30,001–$48,000 band, $7,997 for $48,001–$75,000, $13,630 for $75,001–$110,000, and $17,529 for families earning over $110,000.
The spread between the lowest and highest bands is $10,318, a difference of averages that shows aid is concentrated on families with lower incomes. In its 2024-25 Common Data Set, the university reported first-year aid figures for the 2024-25 academic year.
Among the 1,142 first-year students, 826 were determined to have financial need, and the average share of need met for aided students was 84%. The average need-based grant was $14,049 and the average need-based package was $19,395.
Need was fully met for 155 of those students. Separately, 269 students without need received merit awards averaging $5,609.
The University of Michigan-Dearborn publishes a cost of attendance of $24,040. For families earning under $30,000, the average net price is $7,211, and for those in the $30,001–$48,000 band it is $6,284.
The middle band, $48,001–$75,000, sees an average net price of $7,997, while the $75,001–$110,000 band averages $13,630. Families earning over $110,000 face an average net price of $17,529.
The spread between the lowest and highest bands is $10,318. Azimuth ranks the university #193 for affordability among nonprofit four-year institutions.
Aid covers about 61% of the published cost for the average aid recipient, a savings of roughly $14,548 against the sticker price. The average net price across all aid recipients is $9,492, which sits below the peer median of $14,068 for comparable institutions (same type and size) by $4,576.
Median federal student loan debt at completion is $22,500, with about 75.3% of federal aid recipients borrowing. That figure is above the peer median of $21,229 by $1,271.
Median Parent PLUS borrowing stands at $16,132. If repaid over ten years, the estimated monthly payment for a graduate with the median federal debt is $256.
Student loans: what does repayment look like?
Completers who borrowed at University of Michigan-Dearborn face a median federal debt of $22,500. Federal loans reach 75.3% of federal aid recipients, and that amount sits above the $21,229 median at comparable institutions (same type and size) by $1,271.
Parent borrowers represent a separate population; their median Parent PLUS debt is $16,132. In its 2024-25 Common Data Set, the university reported that 45% of 679 bachelor's graduates borrowed from any source, averaging $22,305 per borrower.
That figure included 44% with federal loans averaging $19,162 and 6% with private loans averaging $25,413.
Graduates of University of Michigan-Dearborn earn about $19,461 more than expects for similar students, an outcome in the 95th percentile among nonprofit four-year institutions. The median earnings four years after completion reach $77,294, which sits in the 86th percentile nationally.
Earnings scenarios anchored on the university's program mix show a typical earnings figure of $77,294, a downside scenario of $49,554, and an upside scenario of $103,554. Borrowers complete their degrees with a median federal debt of $22,500, which is above the $21,229 median for comparable institutions (same type and size). If repaid over ten years, the estimated monthly payment is $256.
Median Parent PLUS borrowing, a separate parent-borrower population, is $16,132. The estimated monthly student payment if repaid over ten years is $256.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $16,132
- Estimated parent payment
- $205/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 12.1% | High pressure |
| $100,000 | 5.4% | Safe |
| $150,000 | 2.6% | Safe |
| $200,000 | 1.7% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $22,500
- Institution Parent PLUS debt
- $16,132
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $256/mo
- Estimated Parent PLUS payment · monthly
- $205/mo
- Modeled student + parent payments
- $461/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 $77,294, with a $23,940 annual allowance for basic expenses:
5.8% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- 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.
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.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, 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.
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.
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.