+13%
In-state tuition
In-state tuition at Northwood University rose 13% between 2021 and 2024 ($30.5k → $34.4k).
Michigan · Private nonprofit · Predominantly bachelor's
Northwood University
Midland, Michigan. 1,900 undergraduate students. 27 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Northwood University
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
-100%
3-year cohort default rate
3-year cohort default rate at Northwood University fell 100% between 2021 and 2024 (2.1% → 0.0%).
+13%
Out-of-state tuition
Out-of-state tuition at Northwood University rose 13% between 2021 and 2024 ($30.5k → $34.4k).
+10%
100%-time completion
100%-time completion at Northwood University rose 10% between 2006 and 2009 (35.8% → 39.4%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Michigan
Each tile compares this institution to the Michigan median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$63,075+17% · 6→10y
Michigan median $38,167$54,058
Treasury earnings · 6y post-entry61.1%+13% · '02→'24
Michigan median 57.1%$18,750+196% · '97→'20
At program completion1,900-22% · '96→'24
latest IPEDS79.0%+2% · '04→'24
first-time, full-time83.9%-27% · '01→'24
latest cohort$33,000+185% · '00→'24
out-of-state $33,000SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
4.0%Median federal debt $18,750 amortized over 10 years vs. median earnings $63,075 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
-22%
Northwood University · undergrad enrollment fell
2,524 → 1,974
+185%
Northwood University · in-state tuition rose
$12,063 → $34,400
+185%
Northwood University · out-of-state tuition rose
$12,063 → $34,400
+196%
Northwood University · median debt rose
$7,042 → $20,842
-100%
Northwood University · cohort default rate fell
12.8% → 0.0%
+34%
Northwood University · earnings_median_10yr rose
$47,000 → $63,075
+28%
Northwood University · earnings_median_8yr rose
$45,000 → $57,649
+29%
Northwood University · earnings_median_6yr rose
$41,900 → $54,058
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Business Administration, Management and Operations.$83,794Finance and Financial Management Services.$82,036Computer and Information Sciences, General.$80,446Specialized Sales, Merchandising and Marketing Operations.$79,201Accounting and Related Services.$71,455Business Administration, Management and Operations.$63,352Public Relations, Advertising, and Applied Communication.$61,166Marketing.$57,494Health and Physical Education/Fitness.$57,234Hospitality Administration/Management.$53,997
SECTION 06 · BY CIP FAMILY
10 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
PARKS, RECREATION & FITNESS · CIP 31
BUSINESS, MANAGEMENT & MARKETING · CIP 52
Business Administration, Management and Operations.$63,352Business Administration, Management and Operations.$83,794Accounting and Related Services.$71,455Marketing.$57,494Specialized Sales, Merchandising and Marketing Operations.$79,201Finance and Financial Management Services.$82,036Hospitality Administration/Management.$53,997
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Northwood University
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$433,795
Over 40 years, discounted 5.0%
BREAKEVEN
Year 11
First year cumulative discounted earnings cross zero
- Cost per year
- $25,179
- HS-only baseline · MI
- $36,900
- Years to complete
- 4
- CIP family
- 52
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Michigan
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Northwood University graduates earn $X” — not “Northwood University makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Northwood University caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.