by our College Data Analytics TeamHere’s the full picture on paying for Southwestern Adventist 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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The total published cost of attendance at Southwestern Adventist University stands at about $35,804.00 for a single academic year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $25,380.00 |
| + Room, board & other expenses | $10,424.00 |
| Total cost | $35,804.00 |
| That is 9% above the national average net price. |
| Total cost | $35,804.00 |
| − Grants and scholarships | −$12,814.00 |
| Net price | $22,990.00 |
| That is 30% below the national average net price. |
| Total cost | $35,804.00 |
| − Grants and scholarships | −$18,867.00 |
| Net price | $16,937.00 |
| That is 48% below the national average net price. | |
| For the full breakdown, see the tuition & fees page and living costs. |
Costs have trended upward in recent years by around 2.6% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.6% | 2.6% | 2.6% |
| Freshman year | $17,375.00 | $23,585.00 | $36,731.00 |
| Senior year | $18,759.00 | $25,464.00 | $39,657.00 |
| Total 4-year net price | $72,246.00 | $98,066.00 | $152,725.00 |
| 10-year loan interest @ 6.8% | $27,523.00 | $37,359.00 | $58,183.00 |
| Total monthly payment | $831.00 | $1,129.00 | $1,758.00 |
| Total amount paid | $99,769.00 | $135,425.00 | $210,907.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.6% | 2.6% | 2.6% |
| Freshman year | $17,375.00 | $23,585.00 | $36,731.00 |
| Senior year | $17,825.00 | $24,195.00 | $37,681.00 |
| Total 2-year net price | $35,200.00 | $47,780.00 | $74,412.00 |
| 10-year loan interest @ 6.8% | $13,410.00 | $18,203.00 | $28,348.00 |
| Total monthly payment | $405.00 | $550.00 | $856.00 |
| Total amount paid | $48,610.00 | $65,983.00 | $102,760.00 |
See the full net-price breakdown in the net-price section.
The net price figure shows the cost after grants and scholarships are deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $22,778.00 |
| Average net price (off-campus) | $20,581.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $17,482.00 |
| $30,000 to $48,000 | $18,600.00 |
| $48,001 to $75,000 | $21,435.00 |
| $75,001 to $110,000 | $22,112.00 |
| Over $110,000 | $24,537.00 |
Run your own numbers with the Southwestern Adventist University Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
Typical debt at graduation from Southwestern Adventist University works out to $21,500.00, which federal data classifies as a Moderate ($20-30k) debt-burden bucket.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $6,724.00 |
| Median (50th) | $21,500.00 |
| 75th | $27,866.00 |
| 90th | $37,361.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Read the complete debt breakdown on the student loan debt page.
Debt outcomes vary substantially with family income. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $23,685.00 |
| Middle income | $22,274.00 |
| High income | $17,750.00 |
Borrowers from lower-income families leave school with $5,935.00 more debt than high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $22,297.00 |
| Continuing-generation students | $18,125.00 |
First-generation borrowers from Southwestern Adventist University take on $4,172.00 more debt than continuing-generation students.
The Pell Grant is the main federal need-based award for undergraduates. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The gap between Pell-eligible and non-Pell median debt at Southwestern Adventist University comes to $7,751.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate classification at Southwestern Adventist University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.4% |
For context on the loan portfolio, Stafford disbursements at Southwestern Adventist University reach $84,994,813.00 spread across 4,349 disbursements.
Veteran and active-military students often access dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 16 |
| Avg GI Bill amount | $10,419.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about Southwestern Adventist University, think through the questions below:
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.