by our College Data Analytics TeamMany students will never be charged the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at Southwestern Adventist University can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
Just what financial aid solutions can Southwestern Adventist University deliver, and just what are you going to be eligible for? Keep reading for answers. Keep going to find out how much school funding will be available to you.
The amount of financial aid and scholarships you are eligible for will vary depending on your family’s income. Use the information below to understand how much financial assistance you may get from Southwestern 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. However, some types of aid are more desirable than others, and some students will receive more than others.
Looking at the entering class at Southwestern Adventist University, 100% of new full-time first-years were awarded at least some aid around 150 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 100% | $15,126 |
| Institutional grants & scholarships | 99% | $9,712 |
| Federal Pell grants | 58% | $6,229 |
| State/local grants | 53% | $3,349 |
| Federal student loans | 64% | $5,581 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. At this school, around 80% of the undergraduate population received grant aid that averaged $10,685 (among about 645 awardees).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 80% | $10,685 |
| Federal Pell grants | 42% | $5,604 |
| Federal student loans | 53% | $7,278 |
For students living on campus and receiving title-IV aid, grants averaged $12,814.
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 | $17,855 |
| $30,001 – $75,000 | $19,848 |
| Over $75,000 | $23,423 |
Each figure is the net price after grants and scholarships, not the published sticker price.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $22,778 |
| Off-campus title-IV students | $20,581 |
For an estimate tailored to your family circumstances, see Southwestern Adventist University’s online cost calculator: swau.edu/admissions-aid/determine-cost.
The median student at Southwestern Adventist University graduates with $21,500 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $21,500 |
| Median federal debt (graduates only) | $26,998 |
| Typical 10-year monthly payment (graduates) | $286.22/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
The median alone does not show how widely outcomes vary across the student body. The four reference points below map the debt distribution at Southwestern Adventist University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,724 |
| 75th percentile | $27,866 |
| 90th percentile (highest-debt students) | $37,361 |
Median debt varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $23,685 |
| Middle income | $22,274 |
| High income | $17,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,297 |
| Continuing-generation students | $18,125 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $22,000 |
| Independent students | $20,000 |
These indicators are derived from the underlying debt data and summarize the overall picture at Southwestern Adventist University.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The aggregate figures below show how active the program is at Southwestern Adventist University:
| Metric | Value |
|---|---|
| Stafford loan recipients | 4349 |
| Total Stafford loan amount | $84,994,813 |
If you are a veteran or active-duty service member, the GI Bill and DoD Tuition Assistance are the primary federal programs you can use at this school.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 16 |
| Total GI Bill amount | $166,697 |
| Average GI Bill amount per recipient | $10,419 |
References
More about our data sources and methodologies.