by our College Data Analytics TeamThis guide covers the real cost of attending Southwestern College, 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 Southwestern College ranged from $19,717.00 and up to $29,013.00 across residency tiers.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: about $19,717.00 in-state, rising to $29,013.00 out-of-state.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $1,344.00 |
| + Room, board & other expenses | $18,373.00 |
| Total cost | $19,717.00 |
| That is 2% above the national average net price. |
| Total cost | $19,717.00 |
| − Grants and scholarships | −$9,433.00 |
| Net price | $10,284.00 |
| That is 47% below the national average net price. |
| Total cost | $19,717.00 |
| − Grants and scholarships | −$10,724.00 |
| Net price | $8,993.00 |
| That is 53% below the national average net price. |
| Tuition and fees | $10,640.00 |
| + Room, board & other expenses | $18,373.00 |
| Total cost | $29,013.00 |
| That is 51% above the national average net price. |
| Total cost | $29,013.00 |
| − Grants and scholarships | −$9,433.00 |
| Net price | $19,580.00 |
| That is 2% above the national average net price. |
| Total cost | $29,013.00 |
| − Grants and scholarships | −$10,724.00 |
| Net price | $18,289.00 |
| That is 5% below the national average net price. | |
| Explore each piece on the tuition & fees page plus room and board. |
Costs have trended upward in recent years by roughly 4.2% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.2% | 4.2% | 4.2% |
| Freshman year | $9,374.00 | $10,720.00 | $20,552.00 |
| Senior year | $10,617.00 | $12,141.00 | $23,277.00 |
| Total 4-year net price | $39,947.00 | $45,681.00 | $87,582.00 |
| 10-year loan interest @ 6.8% | $15,218.00 | $17,403.00 | $33,366.00 |
| Total monthly payment | $460.00 | $526.00 | $1,008.00 |
| Total amount paid | $55,165.00 | $63,084.00 | $120,948.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.2% | 4.2% | 4.2% |
| Freshman year | $9,374.00 | $10,720.00 | $20,552.00 |
| Senior year | $9,771.00 | $11,174.00 | $21,423.00 |
| Total 2-year net price | $19,145.00 | $21,893.00 | $41,975.00 |
| 10-year loan interest @ 6.8% | $7,294.00 | $8,341.00 | $15,991.00 |
| Total monthly payment | $220.00 | $252.00 | $483.00 |
| Total amount paid | $26,439.00 | $30,234.00 | $57,966.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.2% | 4.2% | 4.2% |
| Freshman year | $19,064.00 | $20,409.00 | $30,242.00 |
| Senior year | $21,591.00 | $23,115.00 | $34,251.00 |
| Total 4-year net price | $81,239.00 | $86,974.00 | $128,875.00 |
| 10-year loan interest @ 6.8% | $30,949.00 | $33,134.00 | $49,097.00 |
| Total monthly payment | $935.00 | $1,001.00 | $1,483.00 |
| Total amount paid | $112,188.00 | $120,108.00 | $177,971.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.2% | 4.2% | 4.2% |
| Freshman year | $19,064.00 | $20,409.00 | $30,242.00 |
| Senior year | $19,871.00 | $21,274.00 | $31,523.00 |
| Total 2-year net price | $38,935.00 | $41,684.00 | $61,765.00 |
| 10-year loan interest @ 6.8% | $14,833.00 | $15,880.00 | $23,530.00 |
| Total monthly payment | $448.00 | $480.00 | $711.00 |
| Total amount paid | $53,768.00 | $57,564.00 | $85,296.00 |
See the full net-price breakdown in the net-price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $12,671.00 |
| Average net price (off-campus) | $10,893.00 |
Net price varies sharply by family income, dropping as need-based aid grows. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,831.00 |
| $30,000 to $48,000 | $9,999.00 |
| $48,001 to $75,000 | $13,155.00 |
| $75,001 to $110,000 | $16,603.00 |
| Over $110,000 | $17,531.00 |
Get a tailored estimate from the Southwestern College Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the grants & scholarships detail.
The median amount borrowed by graduates of Southwestern College amounts to $4,044.00, which the Department of Education classifies as a Very Low (<$10k) burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $2,458.00 |
| Median (50th) | $4,044.00 |
| 75th | $5,934.00 |
| 90th | $10,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $4,500.00 |
| Middle income | $3,500.00 |
| High income | $3,500.00 |
Low-income borrowers graduate with $1,000.00 more debt than their high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $3,720.00 |
| Continuing-generation students | $5,000.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell-versus-non-Pell median debt difference at Southwestern College amounts to $1,000.00. Federal data flags this school for Pell-related debt inequity.
The Department of Education default-rate tier for Southwestern College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 14.2% |
For a sense of scale, Stafford disbursements at Southwestern College add up to $28,367,864.00 spread across 4,065 student borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 490 |
| Avg GI Bill amount | $1,018.00 |
| DoD Tuition Assistance recipients | 7 |
| Avg DoD Tuition Assistance | $710.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Southwestern College, a few questions are worth asking:
Use the pages below to go deeper on a specific part of the cost story:
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.