Median Earnings (1yr)
$43,585
54th percentile (60th in MI)
Median Debt
$28,550
9% above national median
Debt-to-Earnings
0.66
Manageable
Sample Size
39
Adequate data

Analysis

Saginaw Valley State University's teacher education program starts graduates near the middle of the pack—landing at the 60th percentile among Michigan programs—but then earnings actually drop by year four to $40,545. That backward slide is unusual and worth understanding. While debt is manageable at $28,550 (better than 87% of programs nationally), watching your income decrease after gaining teaching experience runs counter to what typically happens in education careers. This might reflect Michigan's specific teacher salary structures or retention patterns rather than program quality.

The practical math works initially: graduates owe less than two-thirds of their first-year salary, which is reasonable for a teaching career. However, the fact that peers at Grand Valley State or Central Michigan are earning $3,000-$6,000 more by year four suggests this program may not position graduates as competitively for higher-paying districts or specialized roles that drive mid-career growth. The moderate sample size adds some uncertainty to these numbers, but the pattern is concerning enough to investigate.

For families banking on teaching as a stable, gradually increasing income path, ask the school directly about where graduates are getting hired and why earnings dip. If most alumni stay in lower-paying rural districts or leave the profession early, that changes the investment calculation considerably, even with the reasonable debt load.

Where Saginaw Valley State University Stands

Earnings vs. debt across all teacher education and professional development, specific subject areas bachelors's programs nationally

Saginaw Valley State UniversityOther teacher education and professional development, specific subject areas 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 $44k, placing them in the 54th percentile of all teacher education and professional development, specific subject areas 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

Teacher Education and Professional Development, Specific Subject Areas bachelors's programs at peer institutions in Michigan (30 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Saginaw Valley State University$43,585$40,545$28,5500.66
Grand Valley State University$46,124$42,856$30,7500.67
Hope College$45,137$44,356$27,0000.60
Ferris State University$44,977$41,325$29,0760.65
University of Michigan-Dearborn$44,845$43,592$31,0000.69
Central Michigan University$43,996$43,844$29,0000.66
National Median$43,082—$26,2210.61

Other Teacher Education and Professional Development, Specific Subject Areas Programs in Michigan

Compare tuition, earnings, and debt across Michigan schools

SchoolIn-State TuitionEarnings (1yr)Debt
Grand Valley State University
Allendale
$14,628$46,124$30,750
Hope College
Holland
$40,420$45,137$27,000
Ferris State University
Big Rapids
$13,630$44,977$29,076
University of Michigan-Dearborn
Dearborn
$14,944$44,845$31,000
Central Michigan University
Mount Pleasant
$14,190$43,996$29,000

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 39 graduates with reported earnings and 36 graduates with debt data. Small samples may not be representative.