Median Earnings (1yr)
$53,416
49th percentile (60th in MI)
Median Debt
$25,243
1% above national median
Debt-to-Earnings
0.47
Manageable
Sample Size
65
Adequate data

Analysis

Saginaw Valley State's accounting program lands solidly in the middle—but in Michigan's competitive accounting landscape, middle means something different. With first-year earnings of $53,416, graduates earn above the state median and track slightly below the national average. More importantly, they're doing this at 60th percentile performance within Michigan while carrying manageable debt of $25,243. The 0.47 debt-to-earnings ratio means graduates can handle their loans without financial strain.

The 17% earnings growth to $62,291 by year four shows steady progression, though it doesn't quite close the gap with Michigan State or Central Michigan graduates who start ahead. This isn't surprising—SVSU's 73% admission rate and lower SAT scores suggest it serves a broader student population than the state's flagship programs. What matters is whether the $10,000+ difference in starting salary justifies any higher costs or stricter admission requirements at competitor schools.

For families seeking an affordable path to a CPA license or corporate accounting role, this program delivers without gambling. You're not paying premium prices or taking on excessive debt, and you're landing squarely in middle-class earnings territory right after graduation. If your child has admission offers from Michigan State or Central Michigan with similar financial aid packages, those warrant consideration. Otherwise, SVSU provides a straightforward return on investment for accounting careers.

Where Saginaw Valley State University Stands

Earnings vs. debt across all accounting bachelors's programs nationally

Saginaw Valley State UniversityOther accounting programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Saginaw Valley State University graduates compare to all programs nationally

Saginaw Valley State University graduates earn $53k, placing them in the 49th percentile of all accounting bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Michigan

Accounting bachelors's programs at peer institutions in Michigan (37 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Saginaw Valley State University$53,416$62,291$25,2430.47
Michigan State University$65,965$75,633$23,2500.35
Aquinas College$63,311
Central Michigan University$62,430$65,971$29,0000.46
Albion College$62,266$27,0000.43
Walsh College$61,960$59,351$21,5870.35
National Median$53,694$25,0000.47

Other Accounting Programs in Michigan

Compare tuition, earnings, and debt across Michigan schools

SchoolIn-State TuitionEarnings (1yr)Debt
Michigan State University
East Lansing
$15,988$65,965$23,250
Aquinas College
Grand Rapids
$38,520$63,311
Central Michigan University
Mount Pleasant
$14,190$62,430$29,000
Albion College
Albion
$55,746$62,266$27,000
Walsh College
Troy
$61,960$21,587

About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At Saginaw Valley State University, approximately 32% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Sample Size: Based on 65 graduates with reported earnings and 72 graduates with debt data. Small samples may not be representative.