WMU Loans, Tuition, Costs & More

This is the complete guide to WMU tuition, costs and student loans. If you’re considering Western Michigan University, you’re likely focussed on that huge, glaring sticker price: $N/A.

If you’re still trying to figure out if you can get into the school, try our college chances calculator for WMU

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    That expensive sticker price can be extremely misleading and does not usually represent the true cost of WMU. The reality is that a huge percentage of students who attend WMU do not pay that number.

    What you are most likely concerned with is what you and your family will pay for Western Michigan University, which is dependent on a range of factors from family income to state residency.

    Before we get started, if you have any doubts about your ability to afford WMU and are interested in student loans to support your education, the below vendors specifically lend to WMU students - click any of them to learn more about their rates and requirements.

    Now, let’s break down that scary sticker price first.

    How much is WMU tuition?

    The stated tuition for out-of-state students at Western Michigan University is $15373 while in-state students pay $12483. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending WMU.

    Essentially, tuition is only what you pay to attend classes at WMU. The annual charge of $15373 or $12483 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of WMU is much higher than either of these prices (more on this later).

    At the same time, however, tuition does not take into account factors that can help a student or family afford college, such as scholarships, student loans and grants.

    Therefore, although an important benchmark, the $12483 for Western Michigan University is likely not a good indicator of what you can expect to pay if you attend the school.

    What is the total cost of WMU?

    If you’re already thinking of this question, you’re one step ahead of us! And you’re on the right track… .The total cost of attending WMU is $N/A and is much more indicative of how much you will pay over the course of one year to attend the school - with one BIG caveat: total cost excludes financial supports that help reduce the cost of attending school, like scholarships at WMU.

    Still, if you do not plan on receiving financial aid, student loans and the like then the Western Michigan University cost of attendance is the best indicator to consider.

    What does the total cost of WMU include?

    The total cost of WMU includes tuition and other common, material expenses, like textbooks and supplies, room and board, and meal costs, minus the average amount of financial aid and scholarships.

    Importantly, this does not reflect the price you will likely pay based on your income bracket.

    What is the price of room and board at WMU?

    WMU doesn’t report the cost of rooming and dorms. However, we know that average room and board costs from private universities around the country is estimated to be about $10,800. Although there is variability in this price, mostly determined by school location, WMU dorm costs are likely similar give or take 10%.

    WMU doesn’t report meal/boarding charges.

    The combined room and board charge for WMU is $9848.

    How much is WMU out of state tuition?

    Out of state tuition for WMU is $15373.

    How much is Western Michigan University in state tuition?

    In state state tuition for WMU is $12483.

    How can I afford WMU?

    You should use a variety of financial tools to offset the cost of WMU.

    It’s easy to lose track of all the assets at your disposal, but the most common can be categorized into grants, loans, and scholarships.

    At Western Michigan University, 0.3424% of students receive a pell grant. Furthermore, 0.6389% of students borrow federal student loans to help pay for the school.

    If you will use student loans to help pay for WMU, these providers below all work with WMU students.

    How much will I pay for WMU?

    This is the million dollar question - literally! WMU students pay a variety of prices to attend the institution, as you already know. A very easy way to determine an average price you can expect to pay is by using your average family income and comparing it to the table below.

    For additional insight, try using the Western Michigan University net price calculator.

    Family Annual Income Average Net Price for WMU
    $0 - 30,000 12977
    $30,001 - 48,000 14631
    $48,001 - 75,000 18869
    $75,001 - 110,000 22357
    $110,001+ 23629

    How much debt will I graduate with from WMU?

    Beyond the years you plan on spending at Western Michigan University, the financial repercussions of WMU tuition will stay with you for awhile, especially if you take out loans to finance the education.

    The median debt for students who have completed a degree at WMU is $26000.0. We can break down this number further by household income and student type (see where you might fit in):

    Family Income and Student Types Median Debt from WMU
    $0 - 30,000 Family income 22000.0
    $30,001 - 75,000 Family income 20500.0
    $75,000+ Family income 19500.0
    The median debt for Pell students 23500.0
    The median debt for female students 20271.0
    The median debt for male students 20030.0
    The median debt for first-generation students 20978.0

    Is WMU worth the cost?

    Going to college is an investment, and like all investments, you should look at the ROI of attending Western Michigan University.

    Luckily, we can provide some insightful data to help determine whether or not WMU is worth the cost by examining what past graduates are earning now.

    The average salary of students who were working six years after graduating from WMU is $35300 (the median is $32300).

    After 8 years, the average salary for WMU graduates is $N/A.

    10 years out, the average salary for WMU graduates is $50500.

    I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether WMU is worth the cost. The real upside of a college degree is that it puts you on a path where your future salary can increase substantially, and it may be hard to achieve that upside without a college degree.

    For example, after graduating from WMU you may get a job where the salary is not too much more than you’d make without a college degree, and you may have taken out a lot of loans to get there!

    However, if you stay in that position for 5 or 10 years, you will likely begin doubling and tripling what you’re making.

    The future earnings potential is going to be much higher if you go to WMU compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.

    How do WMU graduates fare compared to similar schools?

    This is an important question because if you’re considering WMU, you likely have other options on the table.

    Often times, students enroll in the cheapest university available to them. But, as we know from above, this isn’t the whole story.

    For example, you would pay 5% more for a college if you knew the average salary would also be 10% higher, wouldn’t you?

    There’s a lot of reasons why the average salary for WMU students would differ from its peer schools. Perhaps the most popular areas of study align with higher or lower paying careers, or the school has a massive and supportive alumni network.

    Here are just a few related schools to WMU that may be of interest. Click on any one to break down their costs and performance outcomes further.

    How much does WMU cost per semester?

    Assuming there are two semesters at WMU and you are an in-state student, you will pay $6241 per semester. If you are out-of-state, you will pay $7686 per semester.

    How much does WMU cost per year?

    This is effectively the total annual cost of WMU, which is $N/A. However, you can also add room and board, textbooks, and other fees listed above onto that number to better determine how you will really spend in one year of attendance.

    Is it possible to attend WMU for free?

    In theory, yes it is possible to attend WMU for free. If you are a stellar student, you may get a scholarship to cover the entire cost of the education.

    Similarly, if you are a student athlete, you may receive a full scholarship to be on a sports team.

    Unless you are receiving a “full ride” (e.g. full scholarship) to attend WMU, though, it won’t be free. If you take out loans to finance the school, you may pay very little in the near term but all of that money must still be paid off in the long term.

    If you're trying to get in to WMU read about the requirements here