Saginaw Valley State University vs Cleary University: which has better ROI?
Saginaw Valley State University has the better ROI: it clears its 4-year net cost of $43,100 in 12 years versus 15.2 years at Cleary University, on median earnings of $51,955 vs $54,186 ten years out. (Scorecard, 2026 · our math.)
| Measure | Saginaw Valley State University | Cleary University |
|---|---|---|
| Net price / yr | $10,775 | $22,143 |
| Total net cost | $43,100 | $88,572 |
| Median earnings, 10 yrs | $51,955 | $54,186 |
| Median debt | $25,000 | $19,500 |
| Payback | 12 yrs | 15.2 yrs |
| 20-year net return | $28,800 | $27,948 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Saginaw Valley State University or Cleary University?
Saginaw Valley State University, at $10,775 a year after aid versus $22,143 — a gap of $11,368 a year, or $45,472 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Saginaw Valley State University or Cleary University graduates earn more?
Cleary University graduates report a median $54,186 ten years after entry, $2,231 more than the $51,955 at Saginaw Valley State University. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
Which leaves students with less debt, Saginaw Valley State University or Cleary University?
Cleary University: its completers carry a median $19,500 in federal loans versus $25,000 at Saginaw Valley State University, a difference of $5,500. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
48% of students finish at Saginaw Valley State University, against 41% at Cleary University. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.