+17%
Out-of-state tuition
Out-of-state tuition at Saginaw Valley State University rose 16% between 2021 and 2024 ($26.1k → $30.4k).
Michigan · Public · Predominantly bachelor's
Saginaw Valley State University
University Center, Michigan. 6,004 undergraduate students. 80 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Saginaw Valley State University
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
-100%
3-year cohort default rate
3-year cohort default rate at Saginaw Valley State University fell 100% between 2021 and 2024 (1.7% → 0.0%).
+16%
In-state tuition
In-state tuition at Saginaw Valley State University rose 16% between 2021 and 2024 ($11.1k → $12.9k).
+39%
100%-time completion
100%-time completion at Saginaw Valley State University rose 39% between 2006 and 2009 (6.5% → 9.0%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Michigan
Each tile compares this institution to the Michigan median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$51,955+19% · 6→10y
Michigan median $38,167$43,530
Treasury earnings · 6y post-entry53.8%+83% · '97→'24
Michigan median 57.1%$17,500+441% · '97→'20
At program completion6,004+6% · '96→'24
latest IPEDS75.4%+16% · '04→'24
first-time, full-time72.9%-19% · '01→'24
latest cohort$12,240+232% · '01→'24
out-of-state $28,752SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
4.5%Median federal debt $17,500 amortized over 10 years vs. median earnings $51,955 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+83%
Saginaw Valley State University · completion · 150% rose
26.4% → 48.3%
+95%
Saginaw Valley State University · completion · 100% rose
4.6% → 9.0%
+16%
Saginaw Valley State University · retention rose
67.0% → 77.6%
+232%
Saginaw Valley State University · in-state tuition rose
$3,897 → $12,930
+273%
Saginaw Valley State University · out-of-state tuition rose
$8,160 → $30,450
+441%
Saginaw Valley State University · median debt rose
$4,625 → $25,000
-100%
Saginaw Valley State University · cohort default rate fell
6.6% → 0.0%
+24%
Saginaw Valley State University · pell share rose
28.3% → 35.2%
+30%
Saginaw Valley State University · earnings_median_10yr rose
$40,100 → $51,955
+29%
Saginaw Valley State University · earnings_median_8yr rose
$37,100 → $47,805
+27%
Saginaw Valley State University · earnings_median_6yr rose
$34,400 → $43,530
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Mechanical Engineering.$89,093Computer Systems Analysis.$85,259Computer and Information Sciences, General.$83,464Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$80,239Business Administration, Management and Operations.$80,230Educational Administration and Supervision.$79,472Finance and Financial Management Services.$75,671Rehabilitation and Therapeutic Professions.$71,767Accounting and Related Services.$68,052Marketing.$67,719Liberal Arts and Sciences, General Studies and Humanities.$67,148Health and Medical Administrative Services.$66,911Special Education and Teaching.$65,263Teacher Education and Professional Development, Specific Subject Areas.$64,710Chemistry.$63,167Business Administration, Management and Operations.$61,748Public Administration.$61,011Biology, General.$58,704Business/Commerce, General.$55,038Teacher Education and Professional Development, Specific Levels and Methods.$54,932Social Work.$53,518Criminal Justice and Corrections.$51,635Special Education and Teaching.$50,545Design and Applied Arts.$49,623
Showing top 24 of 34 ranked programs.
SECTION 06 · BY CIP FAMILY
34 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
EDUCATION · CIP 13
Teacher Education and Professional Development, Specific Levels and Methods.$47,137Teacher Education and Professional Development, Specific Subject Areas.$48,009Teacher Education and Professional Development, Specific Levels and Methods.$54,932Special Education and Teaching.$50,545Special Education and Teaching.$65,263Teacher Education and Professional Development, Specific Subject Areas.$64,710Educational Administration and Supervision.$79,472
ENGINEERING · CIP 14
ENGLISH LANGUAGE & LITERATURE · CIP 23
LIBERAL ARTS & GENERAL STUDIES · CIP 24
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
PARKS, RECREATION & FITNESS · CIP 31
PHYSICAL SCIENCES · CIP 40
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
SOCIAL SCIENCES · CIP 45
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
HISTORY · CIP 54
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Saginaw Valley State University
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$748,526
Over 40 years, discounted 5.0%
BREAKEVEN
Year 6
First year cumulative discounted earnings cross zero
- Cost per year
- $13,963
- HS-only baseline · MI
- $36,900
- Years to complete
- 4
- CIP family
- 51
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Michigan
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Saginaw Valley State University graduates earn $X” — not “Saginaw Valley State University makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Saginaw Valley State University caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.