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<p>You’re misinterpreting the website (although it is admittedly confusing.) Shipman is a full-ride, including tuition, room, board, and typically a small amount left over given as a stipend. </p>
<p>There are also several other full-ride scholarships (and many lesser ones.) All in all, Michigan has a very large number of scholarships. On the other hand, there’s a ton of students, so the individual odds are not so great.</p>
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<p>Residency isn’t a big deal for scholarships - the majority of the big scholarships go to out of state people anyway. I was in your exact situation, ie, in-state but initially classified oos, and I won one of the big scholarships.</p>
<p>It’s very difficult to evaluate your odds, but you are probably not competitive for the full-ride scholarships. You never know, though.</p>
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<p>This is probably one of the scholarships that targets URMs, ie, a diversity scholarship.</p>