Western Michigan University
Kalamazoo, Michigan · Public · 84.6% acceptance rate
ROI Score: 50/100 · Below Average Value
Data: 2024-25 College Scorecard release
Western Michigan University scores 50 (Below Average Value) - a weak result driven primarily by a 0.742 debt-to-earnings ratio and a 10.8-year payback period on average 6-year earnings of $35,300. The completion rate of 57.6% means nearly half of enrollees leave without a credential. Net price averages $15,273 but median debt is $26,188, yielding a weak debt-to-earnings ratio. Engineering and nursing programs produce solid outcomes; arts, humanities, and several social science programs carry F-grade ROI grades with debt-to-earnings ratios above 1.0. The repayment rate of 67.1% signals meaningful debt distress among graduates.
Western Michigan University
Quick Numbers
| In-state tuition + fees | $15,252/yr |
| Out-of-state tuition + fees | $19,034/yr |
| Average net price | $15,273/yr |
| Total 4-year cost (net) | $61,092 |
| Median earnings (10yr post-entry) | $53,562 |
| Average earnings (6yr post-entry) | $35,300 |
| Median debt at graduation | $26,188 |
| Estimated monthly loan payment | $278 |
| Estimated payback period | 10.8 years |
| 6-year graduation rate | 57.6% |
| Undergraduate enrollment | 12,568 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $15,252/year ($19,034/year out-of-state), which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $15,273/year, or roughly $61,092 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $5,263/year here, while families earning over $110,000 pay $23,625/year.
Among graduates who borrowed, the median federal loan debt from this school is $26,188, which works out to about $278 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($35,300) and comes to 0.74, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $5,263 |
| $30,001 - $48,000 | $5,734 |
| $48,001 - $75,000 | $13,833 |
| $75,001 - $110,000 | $18,307 |
| $110,001+ | $23,625 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay just $5,263 net price per year at WMU. At roughly $21,000 total over four years, even the 10.8-year median payback is manageable if the student completes a degree in a career-oriented program. The completion rate risk remains: 57.6% of students finish, and those who don't leave with debt and no credential.
Middle-income families ($30K-$110K)
Middle-income families ($48,001-$75,000) pay $13,833 per year - about $55,000 over four years. At that cost, the average 6-year earnings of $35,300 produce a tight payback. Students targeting business, marketing, or finance should expect C-range ROI grades and a long repayment horizon unless they outperform median earnings.
Higher-income families ($110K+)
Families earning $110,000+ pay $23,625 per year - a $94,500 four-year investment. At $35,300 average 6-year earnings, full-pay at WMU is a poor return for most majors. Engineering and nursing graduates can justify it; most others cannot.
Earnings by Major
Top 10 most popular majors at Western Michigan University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Finance and Financial Management | $72,353 | C+ |
| Marketing | $71,371 | C+ |
| Business Administration, Management, and Operations | $75,143 | C+ |
| Air Transportation | $89,564 | D |
| Accounting | $66,666 | C |
| Multi/Interdisciplinary Studies, Other | $54,597 | D |
| Biology | $59,249 | D |
| Teacher Education, Subject-Specific | $49,340 | C |
| Psychology | $50,655 | D |
| Kinesiology and Exercise Science | $50,134 | D |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Paper Science and Engineering
Paper Science and Engineering is WMU's strongest program by debt-to-earnings: 16 graduates, $86,401 year-one, $102,825 at year four, and a ratio of 0.317 (ROI grade B+). WMU is one of a small number of schools offering this specialized program, which feeds graduates into the pulp, paper, and packaging industries.
Registered Nursing
Registered Nursing (96 graduates) earns $75,149 year-one and $83,449 at year four with a debt-to-earnings ratio of 0.384 (ROI grade B). At WMU's net price, nursing is one of the cleaner ROI propositions in the catalog - graduates enter the Michigan healthcare labor market at wages that make the debt manageable. This is a program where WMU's regional footprint is a genuine advantage.
Business Administration, Management, and Operations
Business Administration is WMU's largest reported program at 213 graduates, earning $55,660 year-one and $75,143 at year four (ROI grade C+). The C+ grade reflects average outcomes at a price point that doesn't warrant a premium.
Air Transportation
Air Transportation has 207 graduates with $34,872 year-one earnings but a strong $89,564 at year four - and a troubling debt-to-earnings ratio of 0.774 (ROI grade D). The disconnect reflects early-career aviation pay scales: regional airline first officers earn substantially below $50,000 in their first years, which punishes the debt ratio. The four-year figure tells a more optimistic story, but students must finance multiple years of low earnings before the career economics improve.
History
History is one of WMU's worst-performing programs: 17 graduates, $27,087 year-one, $46,909 at year four, and a debt-to-earnings ratio of 1.144 (ROI grade F). Graduates carry more debt than a full year's salary. At WMU's net price and median debt of $31,000, a history degree takes more than two decades to pay back on a median-earnings path.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 61.2% | 68.8% |
| 3-year repayment | 67.1% | 73.6% |
| 5-year repayment | 62.4% | 67.7% |
| 7-year repayment | 71.2% | 72.8% |
Completion Rate
Trends Over Time
How Western Michigan University’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 84.6% |
| Enrollment | 12,568 |
| Pell Grant recipients | 26.8% |
| Avg faculty salary (monthly) | $10,830 |
With an 84.6% admission rate, WMU is broadly accessible. No SAT or ACT ranges are published. The lack of selectivity means the WMU credential provides minimal signal advantage in competitive labor markets - outcomes are driven heavily by major choice.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Western Michigan University (this school) | 50 | $15,273 | $53,562 |
| Ball State University | 54 | $14,940 | $51,833 |
| Central Michigan University | 51 | $17,597 | $55,874 |
| Tarleton State University | 49 | $20,783 | $53,040 |
| University of Louisiana at Lafayette | 47 | $13,530 | $47,089 |
| Eastern Michigan University | 42 | $15,407 | $51,793 |
Who Thrives Here
WMU admits 84.6% of applicants with no published test score data in Scorecard. At 12,568 students with a 26.8% Pell rate, it serves a broad regional population. Students entering engineering, nursing, or business at the in-state price ($15,252 tuition) get acceptable returns. Students choosing arts, music, dance, theater, or humanities at WMU's net price should carefully consider whether the outcome data justifies the cost - multiple programs carry F-grade ROI grades.
The Verdict: Proceed With Caution
The money case for Western Michigan University is mixed, and worth a hard look before you commit. At $15,273 per year after aid, the typical graduate earns $53,562 ten years after entry, which means it takes about 10.8 years to earn the cost back. For context, the median payback across the schools we score is about 12 years. Whether it's worth it comes down to your major and your aid package.
What to keep an eye on: a debt-to-earnings ratio of 0.74 (median across the schools we score: 0.61), a three-year loan repayment rate of 67.1% (median across the schools we score: 73.6%).
Median debt of $26,188 among graduates who borrowed, against average earnings of $35,300 six years after entry, gives a debt-to-earnings ratio of 0.74. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. Your major - and how much you borrow - really matters.
Western Michigan University: Common Questions
Is Western Michigan University worth it?
In our view, the money case is mixed and worth a hard look before you commit. Western Michigan University scores 50/100 on our ROI scale. At $15,273 a year after aid the typical graduate earns $53,562 ten years after entry, so it takes about 10.8 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does Western Michigan University cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $15,273 a year, or roughly $61,092 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Western Michigan University graduates earn?
The typical graduate earns about $53,562 ten years after enrolling, roughly $11,762 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Western Michigan University?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 10.8 years for Western Michigan University. The median across the schools we track is about 12 years.
How much debt do Western Michigan University graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $26,188, against average earnings of $35,300 six years after entry - a debt-to-earnings ratio of 0.74. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. How much you borrow really matters.
What is the graduation rate at Western Michigan University?
The six-year graduation rate is 57.6%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.