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Cost & financial aid brief

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# University of Michigan-Dearborn Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does University of Michigan-Dearborn cost after financial aid?

The University of Michigan-Dearborn publishes a cost of attendance of $24,040. In its 2024-25 Common Data Set, the university reported sticker charges for the 2025-26 academic year of $15,840 in-state tuition and $400 in required fees.

Out-of-state tuition is $33,768. After financial aid, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $9,492, a savings of $14,548 against the sticker price.

That average net price sits below the peer median of $14,068 for comparable institutions (same type and size) by $4,576. Azimuth ranks the university #193 for affordability among nonprofit four-year institutions.

Azimuth places the affordability pillar of University of Michigan-Dearborn in the 86th percentile among nonprofit four-year institutions. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for first-time full-time Title IV aid recipients is $9,492, which is below the median of $14,068 for comparable institutions (same type and size) by $4,576.

Median federal debt for federal-loan borrowers who completed sits at $22,500, above the peer median of $21,229 by $1,271. Across income bands, average net prices range from $7,211 for families earning under $30,000 to $17,529 for those earning over $110,000.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a progressive structure. For families earning under $30,000 the average net price is $7,211; for $30,001–$48,000 it is $6,284; for $48,001–$75,000 it is $7,997; for $75,001–$110,000 it is $13,630; and for families earning over $110,000 it is $17,529.

Pell Grant recipients make up 46.2% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $10,318.

Average net price by family income

**$0–30K**
$7,211

**$30–48K**
$6,284

**$48–75K**
$7,997

**$75–110K**
$13,630

**$110K+**
$17,529

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$9,492**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $16,132. The estimated monthly student payment if repaid over ten years is $256.

[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**
$16,132

**Estimated parent payment**
$205/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 | 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](/financial-gps/?tool=parent&school=university-of-michigan-dearborn#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**
$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

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=university-of-michigan-dearborn#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.