Southwestern Christian University

Bethany, OK

Private nonprofit small campus Suburb: Large 377 undergrads

Affordability & debt

Average net price
$20,146per year, after aid
Undergraduates with a federal loan
46%
Undergraduates receiving a Pell grant
47%need-based, not repaid
Typical debt at graduation
$20,715federal loans, students who finished
Reducing their balance within 3 years
37%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $20,715. At 7% over 10 years — the standard federal plan — that is roughly $241 a month, about $28,862 repaid in total, of which $8,147 is interest.

Stretch the same balance over 25 years and the payment drops to $146 a month — but the total climbs to $43,923, roughly $15,061 more in interest. A smaller payment is not a smaller loan.

An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.

Southwestern Christian University’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.

Published tuition

In-state tuition
$21,900published rate
Out-of-state tuition
$21,900published rate

The sticker price before any aid. Most students pay less than this — the net price above is what aided students actually paid on average.

Outcomes

Median earnings
$40,39110 years after entry

Median earnings of former students who received federal aid, measured 10 years after they started.

Campus life

Campus setting
Suburb: Large
Residential character
Primarily residential — many students live on campus
Religious affiliation
Pentecostal Holiness Church

Most common fields of study

  • Parks, recreation & fitness39%
  • Business & marketing29%
  • Liberal arts & humanities10%
  • Theology & religious vocations7%
  • Education6%
  • Psychology6%

Share of degrees awarded, by broad field.

Athletics

NAIA Division I

  • Baseball
  • Basketball
  • Golf
  • Soccer
  • Softball
  • Track and Field
  • Volleyball

What borrowing would really cost

Starting from the typical debt at Southwestern Christian University. Change any figure to see your own.

Federal undergraduate loans have recently been near 7%. Private loans are often higher.

Standard plan — 10 years

$241per month

Total repaid
$28,862
Interest paid
$8,147

Longer term — 25 years

$146per month

Total repaid
$43,923
Interest paid
$23,208

Borrow $20,715 and repay it over 25 years instead of 10, and you pay $15,061 more — $43,923 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.

An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.

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Data from the U.S. Department of Education’s College Scorecard and the Equity in Athletics survey. Figures reflect the most recent reporting year available and may be out of date or incomplete — confirm anything decision-critical with the college directly. Official site: Southwestern Christian University.