S
Public 2 Year

SMC Tuition & Cost

Dowagiac, Michigan

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How much does it cost to attend?

In District Michigan Resident Sticker Price
$18,360
In District Costs for Southwestern Michigan College
Fee Cost
Tuition$3,784
Books and Supplies$1,722
Other Fees$1,596
Room and Board $9,450
Other Expenses Budget$1,808
In State Michigan Resident Sticker Price
$19,534
In State Costs for Southwestern Michigan College
Fee Cost
Tuition$4,958
Books and Supplies$1,722
Other Fees$1,596
Room and Board $9,450
Other Expenses Budget$1,808

In district Michigan residents should budget an annual total cost of $18,360 to attend Southwestern Michigan College on a full time basis. This fee is comprised of $3,784 for tuition, $9,450 room and board, $1,722 for books and supplies and $1,596 for other fees.

All price data is sourced from the 2019/2020 U.S. Department of Education National Center for Education Statistics survey.
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Net Price

Net price is indicative of what it actually costs to attend Southwestern Michigan College when typical grants and scholarships are considered. The net price varies by family income and financial need.

Average Net Price 2018/2019
$8,638
Net Price by Income Southwestern Michigan College
Family Income Net Price Paid
$0 to $30,000$6,646
$30,001 to $48,000$8,650
$48,001 to $75,000$10,567
$75,001 to $110,000$11,633
$110,000+$14,087

The average reported annual net price for Southwestern Michigan College for students receiving grants or scholarship aid was $8,638 in 2018/2019. Net price includes tuition and required fees, books and supplies, and average cost for room and board and other expenses

Costs for Similar Colleges

Financial Aid

85% of full-time undergrad Southwestern Michigan College received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $5,560 per student during the 2019/2020 school year. Grant and scholarship aid does not need to be paid back. 33% of students received Federal Student Loans averaging $4,932 and 2% of undergrads took out private student loans averaging $8,499.

Finanical Aid Southwestern Michigan College
Type Avg./Student Students Receiving
Total Grant and Scholarship Aid $5,560 85%
Institutional Grants and Scholarships $2,013 52%
Pell Grants $4,743 60%
Other Federal Grants $359 33%
State and Local Grants $2,993 24%
Federal Student Loans $4,932 33%
Other Student Loans $8,499 2%

Student Loans

To gauge a more realistic picture of what it may really cost you out of pocket to go to Southwestern Michigan College, we've modeled a ten year student loan with an original principal value of $13,916. The loan balance of $13,916 is a two year multiple of the $6,958 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $133 could be required to satisfy your student loan.

Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. The current Stafford loan interest rate is 2.75%.

Example Loan $13,916
Stafford Loan Interest Rate 2.75%
Time to Pay Off Student Loan 10 years
Example Monthly Payment $132.77
Total Interest Paid $2,016.88
Sum of All Loan Payments $15,932.88

Projected 2 Year Degree Price

2 Year Sticker Price
$39,068
Year Michigan Residents Non Residents
1 $19,534 $19,979
2 $19,931 $20,385

Based on published tuition prices, we estimate the current cost of a 2 year associate degree and living expenses at Southwestern Michigan College to be $39,068 - assuming graduation in normal time. The estimation assumes a 2% annual increase over the next 2 years which has been the recent trend for this school.

Credit Hour Cost and Price per Class

Credit Hour and Class Costs at Southwestern Michigan College
Price Per Credit 3 Credit Class 4 Credit Class
In District Residents $123 $369 $492
Michigan Residents $162 $486 $648
Out of State Residents $176 $528 $704

Estimated cost for a class at Southwestern Michigan College based on published credit hour prices. Note that not all schools allow single class enrollment. These prices should be used for comparison purposes as to how much it may cost to take a class at Southwestern Michigan College versus other colleges.

Tuition Payment Plans Available

Southwestern Michigan College Payment Plans
Tuition Payment Plan Yes
Prepaid Tuition Plan No
Alternative Tuition Plan Yes
Guaranteed Tuition Plan No

Primary data source, U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=172307 IPEDS survey data for Southwestern Michigan College.