by our College Data Analytics TeamA large number of students will never be charged the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at Southern Adventist University can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
What financial assistance options will Southern Adventist offer, and what will you qualify for? Read on for more information. Keep scrolling to see just how much financial aid could be open to you.
The amount of financial aid and scholarships you are eligible for will vary depending on your family’s income. Continue reading to find information to help you understand just how much assistance you can expect to receive from Southern Adventist University.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
Among first-time, full-time freshmen at Southern Adventist University, 100% of new full-time first-years were awarded at least some aid some 747 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 99% | $12,904 |
| Institutional grants & scholarships | 99% | $9,894 |
| Federal Pell grants | 34% | $5,859 |
| State/local grants | 17% | $6,050 |
| Federal student loans | 44% | $7,481 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. Across the undergraduate body at Southern Adventist, around 90% of the undergraduate population received grant aid that averaged $12,429 (covering around 2532 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 90% | $12,429 |
| Federal Pell grants | 31% | $5,746 |
| Federal student loans | 42% | $6,357 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $14,273.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $19,658 |
| $30,001 – $75,000 | $22,838 |
| Over $75,000 | $28,832 |
Remember these are net prices — what families pay after gift aid, not before.
The net price strips out grant and scholarship aid from the sticker price to show roughly what families really pay.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $24,345 |
| Off-campus title-IV students | $24,334 |
To project your own net price, use Southern Adventist’s net price tool: www.southern.edu/undergrad/finances/cost-calculator.html#!#st.
A typical borrower at Southern Adventist leaves with $18,000 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $18,000 |
| Median federal debt (graduates only) | $24,500 |
| Typical 10-year monthly payment (graduates) | $259.74/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
The numbers below show the full range, not just the middle of the distribution. These percentiles trace how cumulative federal debt is spread among borrowers at Southern Adventist.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,000 |
| 25th percentile | $8,225 |
| 75th percentile | $30,000 |
| 90th percentile (highest-debt students) | $41,376 |
Outcomes differ by income bracket, by first-generation status, and by whether a student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $18,250 |
| Middle income | $18,750 |
| High income | $15,750 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,500 |
| Continuing-generation students | $15,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,485 |
| Independent students | $20,000 |
The figure below distills the debt data into a single burden category for Southern Adventist.
Stafford loans make up the bulk of federal direct lending to undergraduates. The totals below capture Stafford lending at Southern Adventist:
| Metric | Value |
|---|---|
| Stafford loan recipients | 9147 |
| Total Stafford loan amount | $211,835,856 |
Military-affiliated students can tap the Post-9/11 GI Bill and DoD Tuition Assistance.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 28 |
| Total GI Bill amount | $520,300 |
| Average GI Bill amount per recipient | $18,582 |
DoD program volume
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 0 |
| Total DoD amount | $0 |
References
More about our data sources and methodologies.