Business Administration, Management and Operations at Saginaw Valley State University
Bachelor's Degree
Analysis
Saginaw Valley State's business program graduates earn less than most Michigan alternatives, landing below the state median of $50,550 despite the state's relatively high compensation for business graduates. At the 40th percentile among Michigan business programs, graduates here trail not just flagship options but also regional competitors like Grand Valley State and Oakland University by $7,000 to $18,000 annually.
The modest debt load of $25,557 helps offset the earnings gap somewhat—it's below both state and national medians, translating to a manageable 0.57 debt-to-earnings ratio. With steady 14% earnings growth over four years, graduates do see improvement, though the four-year mark of $50,789 barely reaches the state's starting median. The robust sample size confirms these aren't outlier results.
For families paying in-state tuition, this program offers an accessible entry point into business careers without crushing debt. However, students should recognize they're trading lower earnings for that accessibility. If your child can gain admission to Michigan's stronger state schools for business, the higher earning potential would likely justify any additional cost. This works as a safety option, but it shouldn't be the first choice for students who have better alternatives within Michigan's public system.
Where Saginaw Valley State University Stands
Earnings vs. debt across all business administration, management and operations bachelors's programs nationally
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 $44k, placing them in the 44th percentile of all business administration, management and operations 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
Business Administration, Management and Operations bachelors's programs at peer institutions in Michigan (40 total in state)
| School | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|
| Saginaw Valley State University | $44,490 | $50,789 | $25,557 | 0.57 |
| University of Michigan-Ann Arbor | $93,674 | $116,095 | $19,000 | 0.20 |
| Michigan State University | $71,253 | $79,719 | $23,250 | 0.33 |
| Oakland University | $62,359 | $81,070 | $26,000 | 0.42 |
| Grand Valley State University | $57,760 | $70,536 | $27,000 | 0.47 |
| University of Michigan-Dearborn | $57,102 | $69,612 | $31,000 | 0.54 |
| National Median | $45,703 | — | $26,000 | 0.57 |
Other Business Administration, Management and Operations Programs in Michigan
Compare tuition, earnings, and debt across Michigan schools
| School | In-State Tuition | Earnings (1yr) | Debt |
|---|---|---|---|
| University of Michigan-Ann Arbor Ann Arbor | $17,228 | $93,674 | $19,000 |
| Michigan State University East Lansing | $15,988 | $71,253 | $23,250 |
| Oakland University Rochester Hills | $14,694 | $62,359 | $26,000 |
| Grand Valley State University Allendale | $14,628 | $57,760 | $27,000 |
| University of Michigan-Dearborn Dearborn | $14,944 | $57,102 | $31,000 |
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 117 graduates with reported earnings and 132 graduates with debt data. Small samples may not be representative.