Florida Southwestern State College offers exceptional affordability across all income levels, with comprehensive costs significantly below peer institutions. In-state tuition stands at $3,401, while out-of-state tuition reaches $12,979, both representing substantial savings compared to typical four-year institutions.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Average Net Price (What Families Pay) | $7,247 |
| Family Income | Net Price |
|---|---|
| $0–30k | $6,011 |
| $30–48k | $6,484 |
| $48–75k | $8,516 |
| $75–110k | $11,200 |
| $110k+ | $13,337 |
Florida Southwestern State College offers exceptional affordability across all income levels, with comprehensive costs significantly below peer institutions. In-state tuition stands at $3,401, while out-of-state tuition reaches $12,979, both representing substantial savings compared to typical four-year institutions. The average net price of $8,249 sits $5,921 below the peer median of $14,170, demonstrating the college's commitment to accessible education.
Net prices vary systematically by family income, ranging from $6,953 for families earning under $30,000 to $14,458 for families earning over $110,000. This $7,505 gap between lowest and highest income tiers reflects targeted financial aid that reduces barriers for lower-income students. The combination of low sticker prices and need-based aid creates affordability advantages across the entire income spectrum.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Florida Southwestern State College maintains exceptionally manageable debt levels that rank among the best nationally. Median student debt of $8,000 places the college at the 87.0th percentile, indicating that 87% of institutions have higher debt levels.
Debt ranges from $2,500 at the 25th percentile to $9,164 at the 75th percentile, with this narrow distribution reflecting consistent affordability across the student body. Compared to the peer median debt of $19,500, Florida Southwestern State College students graduate with $11,500 less debt on average.
The debt-to-earnings ratio of 0.18 indicates that annual debt payments represent roughly 18% of first-year earnings, well within manageable parameters for most graduates. Parent PLUS loans show a median debt of $10,871 with monthly payments of $144, representing additional family borrowing beyond student loans.
How cost compares to graduate earnings and value added.
Florida Southwestern State College delivers exceptional educational value through the combination of low costs and earnings performance that exceeds expectations. Graduates earn $11,676 beyond expectations, placing the institution at the 87.6th percentile nationally for value creation relative to student demographics and program mix.
While median earnings of $43,421 rank below peer institutions by $14,203, the substantially lower debt burden of $11,500 below peer median creates favorable long-term financial positioning. The debt-to-earnings ratio of 0.18 indicates manageable repayment obligations that preserve graduate financial flexibility.
Net prices averaging $5,921 below peer institutions provide immediate cost advantages that compound over time through reduced borrowing needs. The college ranks in the top 25% nationally for earnings beyond expectations, indicating strong value creation despite serving student populations that typically face economic challenges.
Florida Southwestern State College's financial aid strategy emphasizes broad access through systematic cost reduction across income levels. With 33.6% of students qualifying for Pell grants, well above many institutional peers, the college serves a substantial population of lower-income students.
The gap between the $3,401 in-state sticker price and net prices ranging from $6,953 to $14,458 indicates that comprehensive costs including room, board, and other expenses are partially offset by financial aid, though students and families still contribute toward total educational costs. Net prices remain consistently below the peer median across all income brackets, suggesting institutional commitment to affordability regardless of family financial circumstances.
The progressive aid structure, with lowest-income families paying $6,953 compared to $14,458 for highest-income families, concentrates support where financial need is greatest while maintaining accessibility for middle-income families who might otherwise face affordability challenges at more expensive institutions.
