by our College Data Analytics TeamBelow is the data on what it actually costs to attend Southwestern Illinois College, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
Use the links below to jump straight to any section on this page:
What it costs to attend Southwestern Illinois College stands at about $12,596.00 per year.
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 | $7,740.00 |
| + Room, board & other expenses | $4,856.00 |
| Total cost | $12,596.00 |
| That is 35% below the national average net price. |
| Total cost | $12,596.00 |
| − Grants and scholarships | −$5,822.00 |
| Net price | $6,774.00 |
| That is 65% below the national average net price. |
| Total cost | $12,596.00 |
| − Grants and scholarships | −$7,113.00 |
| Net price | $5,483.00 |
| That is 72% below the national average net price. | |
| Go deeper on the components with the tuition & fees page plus living costs. |
Cost of attendance here has been rising by around 4.3% annually, so the projections below total more than one year of attendance. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $5,716.00 | $7,062.00 | $13,132.00 |
| Senior year | $6,477.00 | $8,002.00 | $14,879.00 |
| Total 4-year net price | $24,365.00 | $30,102.00 | $55,973.00 |
| 10-year loan interest @ 6.8% | $9,282.00 | $11,468.00 | $21,324.00 |
| Total monthly payment | $280.00 | $346.00 | $644.00 |
| Total amount paid | $33,647.00 | $41,570.00 | $77,297.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $5,716.00 | $7,062.00 | $13,132.00 |
| Senior year | $5,959.00 | $7,362.00 | $13,690.00 |
| Total 2-year net price | $11,675.00 | $14,424.00 | $26,822.00 |
| 10-year loan interest @ 6.8% | $4,448.00 | $5,495.00 | $10,218.00 |
| Total monthly payment | $134.00 | $166.00 | $309.00 |
| Total amount paid | $16,123.00 | $19,920.00 | $37,040.00 |
For the complete net-price picture, see the net-price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $10,427.00 |
| Average net price (off-campus) | $7,210.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,676.00 |
| $30,000 to $48,000 | $6,429.00 |
| $48,001 to $75,000 | $9,275.00 |
| $75,001 to $110,000 | $11,283.00 |
| Over $110,000 | $12,346.00 |
Get a tailored estimate from the Southwestern Illinois College Net Price Calculator, or get in touch with the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
The median amount borrowed by graduates of Southwestern Illinois College works out to $4,000.00, which the Department of Education classifies as a Very Low (<$10k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,305.00 |
| 25th | $1,750.00 |
| Median (50th) | $4,000.00 |
| 75th | $7,650.00 |
| 90th | $13,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $3,500.00 |
| Middle income | $3,542.00 |
| High income | $5,500.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $4,000.00 |
| Continuing-generation students | $4,000.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt difference between Pell-eligible and non-Pell graduates of Southwestern Illinois College is $-1,058.00.
The default-rate category at Southwestern Illinois College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 15.5% |
| 3-year | 0.1% |
To give some context for these rates, Stafford loans disbursed at Southwestern Illinois College amount to $101,197,223.00 over 16,214 loan recipients.
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 | 249 |
| Avg GI Bill amount | $4,145.00 |
| DoD Tuition Assistance recipients | 57 |
| Avg DoD Tuition Assistance | $1,011.00 |
Explore GI Bill and military aid in detail on the veterans benefits detail.
The figures above are a starting point — as you weigh Southwestern Illinois College, the questions below are worth your time:
Each page below covers one part of paying for college in more detail:
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.