Cost & financial aid brief
University of Michigan-Flint Tuition, Costs & Financial Aid
How much does University of Michigan-Flint cost after financial aid?
Aid covers about 66% of the published cost for the average aid recipient, an offset of $13,908 against the sticker price. The average net price across all aid recipients is $7,007.
The pattern across income bands shows the largest discounts flow to lower-income families: the lowest-income band (under $30,000) averages $1,517, while the highest band (over $110,000) averages $12,333. The spread between those bands is $10,816, a difference of averages that coincides with aid concentrated on families with lower incomes.
That structure, combined with an overall net price well below the peer median, shows the largest discounts flow to lower-income families.
The published cost of attendance is $20,915 (an average across living arrangements), and the average aid recipient pays far less. Azimuth ranks University of Michigan-Flint #164 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $1,517, for those earning $48,001–$75,000 it is $3,752, and for those earning over $110,000 it is $12,333. The spread between the lowest and highest bands is $10,816.
Aid covers about 66% of the published cost for the average aid recipient, bringing the average net price across all bands to $7,007. That is $7,061 below the $14,068 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $25,000 in federal student loans, $3,771 above the $21,229 peer median. 86.6% of federal aid recipients borrow federal loans.
Parents who borrow hold a separate median of $12,953 in Parent PLUS loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $284 a month.
Student loans: what does repayment look like?
Most undergraduates at University of Michigan-Flint take federal loans, and the median federal student debt at completion sits above the peer median. Among borrowers who finish a degree, the median federal debt is $25,000.
That median is $3,771 above the $21,229 median for comparable institutions (same type and size). About 86.6% of federal aid recipients borrow federal loans.
For a separate population of parent borrowers, the median Parent PLUS loan is $12,953.
The return picture at University of Michigan-Flint is mixed. Graduates earn about $3,580 more than expects for similar students, an outcome in the 67th percentile nationally.
But the median federal debt sits above the peer median. Four years after completion, the median earnings for working graduates who are not enrolled is $65,600, which lands in the 67th percentile among nonprofit four-year institutions.
That median is above the $57,301 median for comparable institutions (same type and size) by $8,299. Earnings scenarios based on the university's program mix show a typical earnings level that matches the median, with a downside scenario of $44,576 and an upside scenario of $87,878.
Borrowers finish with a median federal debt of $25,000, which is above the $21,229 peer median. That debt corresponds to an estimated payment of $284 a month if repaid over ten years.
Earnings that beat the model alongside a debt level that runs above peers show a mixed return picture.
Median Parent PLUS borrowing, a separate parent-borrower population, is $12,953. The estimated monthly student payment if repaid over ten years is $284.
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
- $12,953
- Estimated parent payment
- $165/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 | 9.7% | Caution |
| $100,000 | 4.4% | Safe |
| $150,000 | 2.1% | Safe |
| $200,000 | 1.4% | 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
- $25,000
- Institution Parent PLUS debt
- $12,953
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $165/mo
- Modeled student + parent payments
- $449/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 $65,600, with a $23,940 annual allowance for basic expenses:
8.2% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.