Southwestern Adventist University Cost & Financial Aid
Affordability Summary
Cost varies significantly by family income. Use the breakdown below to estimate your net price.
Cost Calculator
What You'll Pay at Southwestern Adventist University
Select your family income to see your estimated cost
The Cost Formula
Tuition
$25K
+
Room
$9K
+
Books
$1,200
=
Sticker Price
$35,592
$25K+$9K+$1,200=$35,592
Your Family Income
Sticker
$35,592
−
Your Aid
$20,151
=
Net Price
$15,441
All Income Levels
Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
Southwestern Adventist University Cost of Attendance and Financial Aid Summary
Cost Category
Amount
Total Cost of Attendance (Sticker Price)
$35,592
Tuition and Fees
$25,380
Room and Board
$9,400
Books and Supplies
$1,200
Average Financial Aid (Grants and Scholarships)
-$12,814
Average Net Price (What Families Pay)
$22,778
Southwestern Adventist University Net Price by Family Income Level
Family Income
Net Price
$0–30k
$16,725
$30–48k
$21,462
$48–75k
$15,441
$75–110k
$27,439
$110k+
$31,475
Understanding Your Aid Package
Southwestern Adventist University has a sticker price of $35,592 per year, but most students pay significantly less after financial aid. The actual cost depends heavily on your family's income level.
Key Facts
Sticker price: $35,592/year
Average aid: $12,814 in grants & scholarships
$48–75K families pay: ~$15,441/year
Student Debt & Repayment
How much students borrow and whether debt is manageable given outcomes.
Typical Debt
Median Student Debt$26,998
Range (25th–75th)$6,724 – $27,866
Median Parent PLUS Loans$14,000
Debt Manageability
0.49x
Debt-to-Earnings Ratio
Debt is well below typical first-year earnings — generally considered very manageable.
3-Year Default Rate0.0%
Return on Investment
How cost compares to graduate earnings and value added.
Median Earnings (10yr)
$52,946
Earnings Growth
+21%
6 → 10 years post-graduation
Value Added
+$1,044
63th percentile among peers
Earnings Range (10yr post-graduation)
$32,967
25th %ile
$80,092
75th %ile
Frequently Asked Questions about Southwestern Adventist University Cost & Financial Aid
Southwestern Adventist University's published tuition is $35,592 per year. However, after financial aid, the average student pays $15,441—a difference of $20,151.
Families earning under $30,000 pay an average net price of $16,725 at Southwestern Adventist University. 42% of students receive Pell Grants.
Southwestern Adventist University offers merit-based scholarships for academic achievement, in addition to need-based financial aid. Contact the financial aid office for specific scholarship opportunities.
The median debt for Southwestern graduates is $26,998, resulting in estimated monthly payments of $286 over 10 years.
Even families earning over $110,000 pay an average net price of $31,475 at Southwestern—still $4,117 less than the sticker price. Most families qualify for some form of aid.
