by our College Data Analytics TeamThis guide covers the real cost of attending Southwestern College, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
What it costs to attend Southwestern College works out to about $53,677.00 annually.
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 | $39,822.00 |
| + Room, board & other expenses | $13,855.00 |
| Total cost | $53,677.00 |
| That is 64% above the national average net price. |
| Total cost | $53,677.00 |
| − Grants and scholarships | −$28,608.00 |
| Net price | $25,069.00 |
| That is 24% below the national average net price. |
| Total cost | $53,677.00 |
| − Grants and scholarships | −$32,138.00 |
| Net price | $21,539.00 |
| That is 34% below the national average net price. | |
| Explore each piece on tuition and fees and living costs. |
Published costs have climbed year over year at a recent average of 4.5% per year, so the four-year total runs well above today’s cost. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.5% | 4.5% | 4.5% |
| Freshman year | $22,508.00 | $26,197.00 | $56,092.00 |
| Senior year | $25,684.00 | $29,893.00 | $64,007.00 |
| Total 4-year net price | $96,291.00 | $112,072.00 | $239,965.00 |
| 10-year loan interest @ 6.8% | $36,683.00 | $42,695.00 | $91,418.00 |
| Total monthly payment | $1,108.00 | $1,290.00 | $2,762.00 |
| Total amount paid | $132,974.00 | $154,767.00 | $331,382.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.5% | 4.5% | 4.5% |
| Freshman year | $22,508.00 | $26,197.00 | $56,092.00 |
| Senior year | $23,520.00 | $27,375.00 | $58,615.00 |
| Total 2-year net price | $46,028.00 | $53,572.00 | $114,706.00 |
| 10-year loan interest @ 6.8% | $17,535.00 | $20,409.00 | $43,699.00 |
| Total monthly payment | $530.00 | $617.00 | $1,320.00 |
| Total amount paid | $63,563.00 | $73,981.00 | $158,405.00 |
For the complete net-price picture, see the net price section below.
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) | $29,824.00 |
| Average net price (off-campus) | $27,310.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $24,537.00 |
| $30,000 to $48,000 | $26,844.00 |
| $48,001 to $75,000 | $24,641.00 |
| $75,001 to $110,000 | $27,101.00 |
| Over $110,000 | $31,218.00 |
Estimate your specific net price using the school’s Southwestern College Net Price Calculator, or visit the financial aid office.
Dig into how aid is awarded on the financial aid page.
The median graduating debt at Southwestern College is $12,500.00, which the Department of Education classifies as a Low ($10-20k) debt-burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,104.00 |
| 25th | $7,000.00 |
| Median (50th) | $12,500.00 |
| 75th | $27,607.00 |
| 90th | $38,503.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,218.00 |
| Middle income | $13,560.00 |
| High income | $12,000.00 |
Borrowers from lower-income families leave school with $218.00 in extra median debt compared with high-income peers.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,500.00 |
| Continuing-generation students | $12,625.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. 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 College works out to $1,668.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for Southwestern College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.8% |
To put the rates in context, Stafford loans at Southwestern College total $155,110,837.00 covering 6,764 recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 129 |
| Avg GI Bill amount | $5,219.00 |
| DoD Tuition Assistance recipients | 508 |
| Avg DoD Tuition Assistance | $2,314.00 |
Explore GI Bill and military aid in detail on the college veterans page.
Numbers only tell part of the story. As you weigh Southwestern College, the questions below are worth your time:
Dig further into the cost picture with the related pages below:
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.