by our College Data Analytics TeamThis overview lays out the cost of attending Georgia Southwestern State University, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
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Attendance costs at Georgia Southwestern State University ranged from $19,234.00 to $30,586.00 across residency tiers.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: close to $19,234.00 in-state against $30,586.00 out of state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $5,220.00 |
| + Room, board & other expenses | $14,014.00 |
| Total cost | $19,234.00 |
| That is roughly at the national average net price. |
| Total cost | $19,234.00 |
| − Grants and scholarships | −$8,465.00 |
| Net price | $10,769.00 |
| That is 44% below the national average net price. |
| Total cost | $19,234.00 |
| − Grants and scholarships | −$10,007.00 |
| Net price | $9,227.00 |
| That is 52% below the national average net price. |
| Tuition and fees | $16,572.00 |
| + Room, board & other expenses | $14,014.00 |
| Total cost | $30,586.00 |
| That is 59% above the national average net price. |
| Total cost | $30,586.00 |
| − Grants and scholarships | −$8,465.00 |
| Net price | $22,121.00 |
| That is 15% above the national average net price. |
| Total cost | $30,586.00 |
| − Grants and scholarships | −$10,007.00 |
| Net price | $20,579.00 |
| That is 7% above the national average net price. | |
| Go deeper on the components with tuition and fees and room and board. |
The reported cost series has been increasing at a recent average of 0.9% annually, so the projections below total more than one year of attendance. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $9,305.00 | $10,861.00 | $19,398.00 |
| Senior year | $9,545.00 | $11,140.00 | $19,896.00 |
| Total 4-year net price | $37,699.00 | $43,999.00 | $78,585.00 |
| 10-year loan interest @ 6.8% | $14,362.00 | $16,762.00 | $29,938.00 |
| Total monthly payment | $434.00 | $506.00 | $904.00 |
| Total amount paid | $52,061.00 | $60,762.00 | $108,523.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $9,305.00 | $10,861.00 | $19,398.00 |
| Senior year | $9,385.00 | $10,953.00 | $19,562.00 |
| Total 2-year net price | $18,690.00 | $21,813.00 | $38,960.00 |
| 10-year loan interest @ 6.8% | $7,120.00 | $8,310.00 | $14,842.00 |
| Total monthly payment | $215.00 | $251.00 | $448.00 |
| Total amount paid | $25,810.00 | $30,124.00 | $53,802.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $20,754.00 | $22,309.00 | $30,846.00 |
| Senior year | $21,288.00 | $22,883.00 | $31,639.00 |
| Total 4-year net price | $84,080.00 | $90,381.00 | $124,966.00 |
| 10-year loan interest @ 6.8% | $32,032.00 | $34,432.00 | $47,608.00 |
| Total monthly payment | $968.00 | $1,040.00 | $1,438.00 |
| Total amount paid | $116,112.00 | $124,812.00 | $172,574.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $20,754.00 | $22,309.00 | $30,846.00 |
| Senior year | $20,930.00 | $22,499.00 | $31,108.00 |
| Total 2-year net price | $41,684.00 | $44,808.00 | $61,954.00 |
| 10-year loan interest @ 6.8% | $15,880.00 | $17,070.00 | $23,602.00 |
| Total monthly payment | $480.00 | $516.00 | $713.00 |
| Total amount paid | $57,565.00 | $61,878.00 | $85,557.00 |
Jump to the net-price detail in the net-price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $12,019.00 |
| Average net price (off-campus) | $12,052.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,602.00 |
| $30,000 to $48,000 | $11,031.00 |
| $48,001 to $75,000 | $13,237.00 |
| $75,001 to $110,000 | $14,813.00 |
| Over $110,000 | $15,617.00 |
Run your own numbers with the Georgia Southwestern State University Net Price Calculator, or check with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The median amount borrowed by graduates of Georgia Southwestern State University works out to $11,000.00, which federal data classifies as a Low ($10-20k) debt-burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $11,000.00 |
| 75th | $23,500.00 |
| 90th | $33,093.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt detail.
Student debt at graduation is not evenly distributed across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $11,115.00 |
| Middle income | $11,750.00 |
| High income | $10,090.00 |
Low-income borrowers graduate with $1,025.00 more debt than their high-income peers.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $11,000.00 |
| Continuing-generation students | $11,000.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt gap between Pell and non-Pell graduates of Georgia Southwestern State University amounts to $3,550.00. This school carries a federal Pell-debt-inequity flag.
The default-rate category at Georgia Southwestern State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.3% |
For a sense of scale, Stafford disbursements at Georgia Southwestern State University total $254,070,485.00 distributed across 12,856 disbursements.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 39 |
| Avg GI Bill amount | $3,091.00 |
| DoD Tuition Assistance recipients | 14 |
| Avg DoD Tuition Assistance | $2,080.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
The figures above are a starting point — as you weigh Georgia Southwestern State University, consider the following:
Explore the related pages below for a deeper look at the cost picture:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.