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Saginaw Valley State University
University Center, MI 6,004 Undergrads 50.1% Grad Rate
Total Cost
$24,043
Sticker Price
Avg Net Price
$14,582
After Aid
Median Earnings
$51,955
10yr Post-Entry
Vs. Peer Institutions
Net Price$14,582
Peer Midpoint: $19,729.5
Earnings (10yr)$51,955
Peer Midpoint: $53,747
Graduation Rate50.1%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients34.2%
Enrollment Status
Full-Time87.5%
Economic Outcomes
Earn More than HS71.0%
Admissions Profile
Acceptance
72.9%
SAT Avg
1,051
SAT Reading
25th: 48054575th: 590
SAT Math
25th: 46052075th: 570
ACT Composite
25th: 192275th: 25
ROI Sensitivity Analysis
This analysis tests three cost scenarios (Scholarship, Average Net Price, Full Sticker Price) to show how college costs impact your long-term return compared to the average student and a high school graduate.
Lifetime Value Added (NPV)
Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$453k
+$57k
-$31k
Median Cost$15k/yr
+$401k
+$4k
-$84k
Full Cost$24k/yr
+$367k
-$30k
-$118k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
Never
-∞
Median Cost$15k/yr
Never
-160%
Full Cost$24k/yr
Never
-136%
Analysis Assumptions:
- Starting Salary: Estimated from the 10-year median earnings (assuming 2% annual growth from graduation).
- Comparisons: "Vs Median Peer" compares to the median student nationwide in a similar level program. "Vs HS Grad" compares to a median high school graduate.
- Break-Even: The age at which the college investment net income exceeds the median high school graduate's lifetime earnings.
- NPV: Net Present Value of all future earnings minus costs and taxes, discounted at 7.8%.
Social Impact ROINew
Measures the societal return on a donor's investment. Calculated as the incremental pre-tax lifetime earnings vs. HS grad, divided by the tax-adjusted donation cost.
Donor Return-142%
Gov. Pell Grant ROINew
Measures the government's return on Pell Grants via increased tax revenue. Calculated as the portion of incremental lifetime taxes (discounted at 5.4%) attributed to the Pell Grant investment.
Taxpayer Return-85%
Important Note: Your ROI with any major will depend on the cost you pay to attend the program, and your starting salary. Both vary significantly across institutions. We encourage you to explore the ROI of a specific program variant by selecting the Program title of the credential level you are interested in. You will then have a more detailed return analysis for programs at specific institutions. We also encourage you to use the ROI calculator with your specific estimates of cost and salary.
Program ROI Analysis
Bachelor's Degrees
Accounting and Related Services
BachCIP: 5203
Median Debt
$25,406
Earnings (5yr)
$68,052
Lifetime Value Added
+$52k
Biology, General
BachCIP: 2601
Median Debt
$24,865
Earnings (5yr)
$58,704
Lifetime Value Added
-$21k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$25,000
Earnings (5yr)
$61,748
Lifetime Value Added
+$3k
Business/Commerce, General
BachCIP: 5201
Median Debt
$28,000
Earnings (5yr)
$55,038
Lifetime Value Added
-$50k
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (5yr)
$63,167
Lifetime Value Added
+$14k
Clinical/Medical Laboratory Science/Research and Allied Professions
BachCIP: 5110
Median Debt
$28,840
Earnings (2yr)
$49,631
Lifetime Value Added
-$70k
Communication and Media Studies
BachCIP: 0901
Median Debt
$26,722
Earnings (5yr)
$46,666
Lifetime Value Added
-$119k
Computer and Information Sciences, General
BachCIP: 1101
Median Debt
$25,625
Earnings (5yr)
$83,464
Lifetime Value Added
+$167k
Computer Systems Analysis
BachCIP: 1105
Median Debt
-
Earnings (5yr)
$85,259
Lifetime Value Added
+$181k
Criminal Justice and Corrections
BachCIP: 4301
Median Debt
$26,000
Earnings (5yr)
$51,635
Lifetime Value Added
-$78k
Design and Applied Arts
BachCIP: 5004
Median Debt
$24,286
Earnings (5yr)
$49,623
Lifetime Value Added
-$95k
Electrical, Electronics and Communications Engineering
BachCIP: 1410
Median Debt
-
Earnings (2yr)
$78,343
Lifetime Value Added
+$165k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$18,300
Earnings (5yr)
$75,671
Lifetime Value Added
+$109k
Fine and Studio Arts
BachCIP: 5007
Median Debt
-
Earnings (2yr)
$18,315
Lifetime Value Added
-$352k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
$27,500
Earnings (5yr)
$49,512
Lifetime Value Added
-$96k
Health/Medical Preparatory Programs
BachCIP: 5111
Median Debt
$30,625
Earnings (5yr)
$47,136
Lifetime Value Added
-$115k
History
BachCIP: 5401
Median Debt
$29,327
Earnings (5yr)
$45,658
Lifetime Value Added
-$127k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
$30,313
Earnings (5yr)
$67,148
Lifetime Value Added
+$45k
Marketing
BachCIP: 5214
Median Debt
$25,500
Earnings (5yr)
$67,719
Lifetime Value Added
+$49k
Mathematics
BachCIP: 2701
Median Debt
-
Earnings (2yr)
$35,060
Lifetime Value Added
-$199k
Mechanical Engineering
BachCIP: 1419
Median Debt
$26,679
Earnings (5yr)
$89,093
Lifetime Value Added
+$209k
Political Science and Government
BachCIP: 4510
Median Debt
-
Earnings (5yr)
$49,431
Lifetime Value Added
-$96k
Psychology, General
BachCIP: 4201
Median Debt
$25,000
Earnings (5yr)
$47,832
Lifetime Value Added
-$109k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$25,250
Earnings (5yr)
$80,239
Lifetime Value Added
+$143k
Rhetoric and Composition/Writing Studies
BachCIP: 2313
Median Debt
$26,000
Earnings (5yr)
$38,608
Lifetime Value Added
-$187k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
-
Earnings (2yr)
$30,409
Lifetime Value Added
-$241k
Social Work
BachCIP: 4407
Median Debt
$29,750
Earnings (5yr)
$53,518
Lifetime Value Added
-$63k
Sociology
BachCIP: 4511
Median Debt
$28,504
Earnings (5yr)
$42,539
Lifetime Value Added
-$154k
Special Education and Teaching
BachCIP: 1310
Median Debt
$29,500
Earnings (5yr)
$50,545
Lifetime Value Added
-$87k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$30,333
Earnings (5yr)
$47,137
Lifetime Value Added
-$115k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$23,000
Earnings (5yr)
$48,009
Lifetime Value Added
-$108k
Master's Degrees
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
-
Earnings (5yr)
$80,230
Lifetime Value Added
+$243k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
$28,370
Earnings (5yr)
$79,472
Lifetime Value Added
+$236k
Health and Medical Administrative Services
MastCIP: 5107
Median Debt
-
Earnings (5yr)
$66,911
Lifetime Value Added
+$128k
Public Administration
MastCIP: 4404
Median Debt
$30,750
Earnings (5yr)
$61,011
Lifetime Value Added
+$75k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
MastCIP: 5138
Median Debt
$38,219
Earnings (2yr)
$90,637
Lifetime Value Added
+$380k
Rehabilitation and Therapeutic Professions
MastCIP: 5123
Median Debt
$47,248
Earnings (5yr)
$71,767
Lifetime Value Added
+$170k
Special Education and Teaching
MastCIP: 1310
Median Debt
$18,431
Earnings (5yr)
$65,263
Lifetime Value Added
+$113k
Teacher Education and Professional Development, Specific Levels and Methods
MastCIP: 1312
Median Debt
$37,239
Earnings (5yr)
$54,932
Lifetime Value Added
+$19k
Teacher Education and Professional Development, Specific Subject Areas
MastCIP: 1313
Median Debt
-
Earnings (5yr)
$64,710
Lifetime Value Added
+$108k
Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate, accounting for this institution's average cost and taxes. Computed over a career to retirement age.
For graduate programs (Master's, Doctoral, etc.), the calculation assumes a starting age of 22 (after undergraduate completion) and does not include the sunk costs of prior degrees. It represents the value added of the graduate degree decision moving forward. These Lifetime Value Added results should not be compared with those Undergraduate Certificates, Associates or Bachelors starting at age 18.