U of M Tuition 2026: Costs, Fees & Aid Guide

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〽️ U of M tuition 2026 guide

U of M Tuition 2026: Costs, Fees, In-State, Out-of-State, Aid and Payment Guide

This guide focuses on University of Michigan, Ann Arbor, because most U of M tuition searches mean U-M Ann Arbor. The latest official U-M undergraduate cost table lists $18,346 in-state lower-division tuition and fees, $63,962 out-of-state lower-division tuition and fees, and total budgets from $38,548 to $88,646 depending on residency and class standing.

You will also find the details searchers actually need: upper-division rates, total cost of attendance, Go Blue Guarantee, nonresident aid, payment plan, Fall 2026 due date, health insurance cost, FAFSA/CSS codes, contacts and map.

πŸ’° Cost table πŸ”Ž Popular searches πŸ’³ Payment guide
$18,346

Michigan resident lower-division LSA tuition and fees.

$63,962

Nonresident lower-division LSA tuition and fees.

$38,548–$88,646

Estimated total undergraduate budget range by residency and class standing.

Aug. 31, 2026

Fall Term 2026 tuition, fees, room and board due date listed by U-M Finance.

Quick answer: what should a family budget for U of M?

For U-M Ann Arbor undergraduate planning, use the total budget, not tuition alone. The latest official LSA estimates show $38,548 for a lower-division Michigan resident and $84,164 for a lower-division nonresident.

Upper-division students pay more in many programs. U-M lists $40,850 for upper-division Michigan resident LSA and $88,646 for upper-division nonresident LSA.

Net price matters: The Go Blue Guarantee can cover tuition for eligible Michigan residents with family income of $125,000 or less and assets below $125,000. Nonresident students have higher tuition, but U-M says institutional aid, school/college scholarships and private scholarships may help.

U of M tuition guide quick navigation

πŸ’° Tuition and full cost πŸ”Ž Popular search answers πŸ›οΈ In-state vs out-of-state 🎁 Go Blue Guarantee and aid πŸ₯ Student health insurance πŸ’³ Bill and payment plan πŸ“… 2026-2027 due dates ☎️ Contacts and map

U of M tuition and fees 2026: official undergraduate cost breakdown

U-M tuition depends on residency, school or college, class standing, credit hours and term. The table below uses the latest official Ann Arbor undergraduate LSA cost table available from U-M for planning.

University of Michigan Ann Arbor undergraduate LSA estimated costs
Student type Tuition & fees Living expenses Books/supplies Transport Misc. Total budget
Michigan resident lower division
First-year / sophomore		 $18,346 $16,246 $1,184 $400 $2,372 $38,548
Michigan resident upper division
Junior / senior		 $20,648 $16,246 $1,184 $400 $2,372 $40,850
Nonresident lower division
First-year / sophomore		 $63,962 $16,246 $1,184 $400 $2,372 $84,164
Nonresident upper division
Junior / senior		 $68,444 $16,246 $1,184 $400 $2,372 $88,646
Planning formula: U-M total budget βˆ’ grants βˆ’ scholarships βˆ’ work-study used βˆ’ loans you choose = estimated family/student net cost
Important rate note: U-M says fall and winter term rates are set in late June or July and updated soon after. Tuition can be higher or lower by school, college, program, class standing, credits and term.
Official source used: U-M Estimating Costs Β· U-M Registrar Tuition & Fees Search

U of M in-state vs out-of-state tuition: why the gap is large

U-M is a publicly supported state institution. U-M says nonresident students have higher tuition because part of the cost for Michigan residents is subsidized by the state.

Residency and U-M undergraduate cost
Search query Direct answer What actually changes cost?
U of M in-state tuition $18,346 lower-division LSA tuition and fees. Class standing, school/college, credits, housing and aid.
U of M out-of-state tuition $63,962 lower-division LSA tuition and fees. Residency, school/college, upper-division status, scholarships and loans.
U of M upper-division tuition $20,648 resident; $68,444 nonresident for LSA estimates. Students with 55+ credits may be assessed upper-division tuition.
U of M Engineering / Ross / other schools May have different tuition than LSA. Use the Registrar tuition search for your exact school and credits.
Practical answer: If you are a Michigan resident, focus on Go Blue Guarantee and state/federal aid. If you are nonresident, compare U-M by net price after scholarships, institutional aid and private scholarships.

U of M financial aid: Go Blue Guarantee, FAFSA, CSS Profile and scholarships

U-M aid depends on residency, financial need, deadlines, school/college scholarships and the student’s full aid application.

Go Blue Guarantee

Free tuition for eligible Michigan residents on Ann Arbor campus.

$125,000 income

Income ceiling for Go Blue Guarantee, with assets below $125,000.

FAFSA 002325

U-M Federal School Code for FAFSA.

CSS 1839

U-M CSS Profile code listed by Financial Aid.

U-M aid details users should know
Aid topic Official detail Student action
Go Blue Guarantee Free tuition for eligible Michigan residents on Ann Arbor campus with income $125,000 or less and assets below $125,000. Apply for financial aid by the deadline and enroll full time.
What Go Blue covers Scholarships and grants totaling at least tuition and mandatory university fees. Remember it does not include housing, meals, books, supplies or personal items.
Nonresident aid U-M says demonstrated institutional aid is available, and school/college or private scholarships may help. Complete aid steps and My Scholarship Profile where applicable.
Need-based aid Priority deadlines matter for consistent aid eligibility. Submit FAFSA/CSS and required documents on time.
Pending aid U-M invoices can show pending aid when requirements are complete. Check that loans, documents and enrollment status are complete.
Work-Study Work-Study does not appear as pending aid on the invoice. Do not subtract it from the bill unless you know how it will be earned/used.

Documents and tools to prepare

FAFSA CSS Profile Student Aid Index Tax records Wolverine Access My Scholarship Profile Outside scholarship letters Loan documents
Official aid links: 2026-2027 Fall/Winter Aid Info Β· Michigan Residents Β· Nonresidents Β· Family Profiles

U-M student health insurance: cost and enrollment dates

Health insurance is not the same as tuition, but it can still affect student budgeting. U-M’s Domestic Student Health Insurance Plan lists a 2026-2027 student-only annual price of $3,704.64.

U-M Domestic Student Health Insurance 2026-2027
Coverage period Dates Open enrollment Student-only cost
Annual Aug. 24, 2026 – Aug. 23, 2027 Aug. 1, 2026 – Sept. 30, 2026 $3,704.64
Winter Jan. 1, 2027 – Aug. 23, 2027 Dec. 16, 2026 – Jan. 31, 2027 $2,469.76
Spring/Summer May 1, 2027 – Aug. 23, 2027 Apr. 15, 2027 – May 31, 2027 $1,234.88
Insurance tip: Domestic students should verify whether they need the domestic plan. International students and scholars should review U-M International Center insurance rules separately.
Official insurance links: Domestic Student Health Insurance Β· International Student/Scholar Health Insurance

How to pay U of M tuition: bills, Wolverine Access and payment plan

U-M Student Financial Services issues electronic bills. Students and authorized parents/family access bills through Wolverine Access. U-M says not viewing the eBill is not a valid reason for missing payment.

Check Wolverine Access Monthly eBills/invoices are generally prepared during the second week of each month and remain available for the last 12 months.
Review tuition, fees, room and board These are due according to U-M’s term payment schedule. Also check aid, housing, payment plan charges and previous balances.
Confirm pending aid Pending aid may appear if enrollment and award requirements are complete. Work-Study and some departmental funds do not show as pending aid.
Use the U-M Payment Plan if needed The plan spreads eligible fall or winter term expenses over five payments. Enrollment is not automatic each term.
Pay non-budgeted charges separately Books, supplies, personal expenses and some living allowances are not part of the payment plan budget.
Avoid late fees and holds Payment plan late payment fee may be $30, and financial holds may be placed if payment is not received by the due date.
Official billing links: U-M Bills Β· U-M Payment Plan Β· Wolverine Access

U-M Payment Plan: what it covers and what it does not

The U-M Payment Plan is useful, but families should not assume it covers every college cost.

U-M Payment Plan practical details
Question Official detail Parent/student note
How many payments? Five payments for each enrolled fall or winter term. Fall due monthly June 30 through Oct. 31; winter due monthly Nov. 30 through Mar. 31.
Enrollment fee? $30 per term. Non-refundable and charged each term.
Automatic renewal? No. Student must re-enroll each term.
Can parents enroll? Authorized Parent/Family may enroll through Wolverine Access. Student should set authorization early.
Covered expenses Tuition, mandatory fees, room and board, lab fees, certain account charges and computers. Budget carefully so plan amount matches real charges.
Not covered Personal expenses, books, supplies, living allowances and certain monthly housing rent. Keep separate cash budget for these items.
Late payment risk $30 late fee may apply and a financial hold can be placed. Payment plan delinquency of 15 days or more can lead to termination.

U of M 2026-2027 billing due dates

U-M lists tuition, fees, room and board due dates by term. Always verify in Wolverine Access because due dates are subject to change.

U-M listed due dates for 2026-2027 charges
Term Due date What to check before paying
Spring Term 2026 April 30, 2026 Registration, aid and charges.
Spring/Summer Term 2026 April 30, 2026 Combined term charges and aid.
Summer Term 2026 June 30, 2026 Summer charges and payment plan status if applicable.
Fall Term 2026 August 31, 2026 Tuition, fees, room and board, pending aid and payment plan.
Winter Term 2027 January 31, 2027 New charges, aid requirements and winter payment plan.
Payment warning: U-M says failure to view the eBill is not sufficient reason for not making payments when due. Set reminders before each due date.

What can change your U of M tuition bill?

Residency classification

Michigan resident and nonresident tuition are very different. Residency questions go through the Registrar.

School or college

LSA, Engineering, Ross, Nursing, Music, Art & Design and other programs can have different rates.

Upper-division status

Undergraduates with 55+ credits may be charged upper-division tuition.

Credit hours

Undergraduate full-time is generally 12–18 credits. More than 18 credits can create additional charges.

Housing and meal plan

Living expenses are estimates. Actual housing, food and personal spending can vary.

Aid requirements

Pending aid may not post if documents, loans or enrollment requirements are incomplete.

U of M tuition contacts, codes, address and map

Use Financial Aid for grants, FAFSA, CSS Profile and award questions. Use Registrar for tuition/residency/classification questions. Use Student Financial Services for bills and payments.

U-M Office of Financial Aid

Best for: FAFSA, CSS Profile, Go Blue Guarantee, aid documents, grants and scholarships.

Address: 2500 Student Activities Building, 515 E. Jefferson St., Ann Arbor, MI 48109-1316.

Phone: 734-763-6600

FAFSA code: 002325

CSS Profile code: 1839

Open U-M Financial Aid

U-M Office of the Registrar

Best for: tuition rates, residency, term calendars, class standing and tuition classification.

Address: 2200 Student Activities Building, 515 E. Jefferson St., Ann Arbor, MI 48109-1316.

Phone: 734-647-3507

Hours: Mon/Tue/Wed/Fri 8 a.m.–5 p.m.; Thu 10 a.m.–5 p.m.

Open Registrar Tuition & Residency

Before contacting U-M: Keep UMID if assigned, term, school/college, residency status, credit hours, Wolverine Access bill screenshot, aid notice, scholarship proof and payment confirmation ready.

University of Michigan Ann Arbor map

Student and parent checklist before paying U of M tuition

Confirm which U of M you mean This guide covers University of Michigan Ann Arbor. UM-Dearborn and UM-Flint have different tuition pages.
Use the correct residency rate In-state and out-of-state totals are very different. Check residency classification before comparing costs.
Check school and class standing LSA estimates are useful, but Engineering, Ross, Nursing and other schools may have different rates.
Subtract real aid Compare cost after grants, scholarships, Go Blue Guarantee, Work-Study and loans you actually plan to use.
Set payment reminders Fall 2026 due date is listed as August 31, 2026; Winter 2027 due date is January 31, 2027.
Use the payment plan carefully It spreads eligible charges over five payments, but books, personal expenses and some living costs are not covered.

FAQs about U of M tuition 2026

Which U of M does this article cover?

This article covers University of Michigan, Ann Arbor. UM-Dearborn, UM-Flint and University of Minnesota have separate tuition systems.

How much is U of M in-state tuition?

The latest official U-M Ann Arbor LSA estimate lists Michigan resident tuition and fees at $18,346 for lower-division students and $20,648 for upper-division students.

How much is U of M out-of-state tuition?

The latest official U-M Ann Arbor LSA estimate lists nonresident tuition and fees at $63,962 for lower-division students and $68,444 for upper-division students.

What is U of M total cost of attendance?

Estimated undergraduate LSA total budgets range from $38,548 for lower-division Michigan residents to $88,646 for upper-division nonresidents.

Why is U of M out-of-state tuition higher?

U-M says nonresident students pay higher tuition because Michigan resident costs are partly subsidized by the state.

Can Michigan residents get free tuition at U-M?

Eligible Michigan residents on the Ann Arbor campus may qualify for free tuition through the Go Blue Guarantee if family income is $125,000 or less and assets are below $125,000.

What is U of M tuition per semester?

For lower-division LSA, a simple half-year estimate is $9,173 for Michigan residents and $31,981 for nonresidents. Actual bills depend on term, credits, program and aid.

Does U-M have a monthly payment plan?

Yes. The U-M Payment Plan spreads fall or winter term expenses over five payments. The current enrollment fee is $30 per term.

When is U-M Fall 2026 tuition due?

U-M Finance lists Fall Term 2026 tuition, fees, room and board as due August 31, 2026, subject to change.

How much is U-M domestic student health insurance?

The 2026-2027 student-only annual price is $3,704.64, with annual coverage from August 24, 2026 to August 23, 2027.

Bottom line: For University of Michigan Ann Arbor 2026 planning, U-M’s latest official undergraduate LSA estimates show tuition and fees of $18,346 for in-state lower-division students and $63,962 for out-of-state lower-division students. Total estimated budgets range from $38,548 to $88,646 depending on residency and class standing. The Go Blue Guarantee can cover tuition for eligible Michigan residents, while nonresident students should compare U-M by net price after scholarships, institutional aid, private scholarships and payment options.

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