Annual Costs

Undergraduate Tuition

Southwestern Illinois College tuition is $3,390 per year for in-district residents. This is 14% more expensive than the national average public two year in-district tuition of $2,965. The cost is 32% cheaper than the average Illinois in-district tuition of $4,997 for 2 year colleges. Tuition ranks 19th in Illinois amongst 2 year colleges for affordability and is the 38th most expensive 2 year college in the state.

The school charges an additional fees of $270 in addition to tuition bringing the total effective in-state tuition to $12,240.

Housing Costs

Southwestern Illinois College doesn't offer on campus housing. If you're not living with family you will need to budget for food and housing in the Belleville area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $4,280.

Books and Supplies

The estimated annual cost for books and supplies is $1,600.

Other Living Expenses

Off-campus students should budget for $4,420 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-district residents to go to SWIC is $13,960 for the 2017/2018 academic year. The total cost for in-state, but not in district residents is $22,540. Out-of-state students who don't possess Illinois residence can expect a one year cost of $26,170. Students residing at home with parents providing food and housing can expect a total cost of $18,260.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for Southwestern Illinois College and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Southwestern Illinois College
Estimated Budgets
In-District Resident Total Budget (Living Off Campus)$13,960
   In-District Tuition$3,390
   Other Fees$270
   Off-Campus Other Budget$4,420
   Books and Supplies$1,600
   Off-Campus Housing Estimate$4,280
In-District Resident Total Budget (Living with Parents)$9,680
   In-District Tuition$3,390
   Other Fees$270
   Family Provided Room and Board$0
   With-Family Other Living Budget$4,420
   Books and Supplies$1,600
Illinois Out of District Total Budget (Living Off Campus)$22,540
   In-State Tuition$11,970
   Other Fees$270
   Off-Campus Housing Estimate$4,280
   Off-Campus Other Budget$4,420
   Books and Supplies$1,600
Illinois Out of District Total Budget (Living with Parents)$18,260
   In-State Tuition$11,970
   Other Fees$270
   Family Provided Room and Board$0
   With-Family Other Living Budget$4,420
   Books and Supplies$1,600


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $22,540 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported SWIC net price for in-state students is $9,178* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

59% of Southwestern Illinois College students received grant aid in 2014/2015. The average total aid amount was $4,785. 48 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,266. To apply for a Pell Grant to attend Southwestern Illinois College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Southwestern Illinois College
Financial Aid Summary
Average Annual Net Price$9,178*
Percent of Students Receiving Grant Aid59%
Average Total Grant Aid$4,785
Percent of Students Receiving Pell Grants48%
Average Amount of Pell Grant Aid$4,266

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$8,385
$30,001 to $48,000$9,365
$48,001 to $75,000$11,519
$75,001 to $110,000$11,711

Average Financial Aid Mix - $22,540 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $22,540. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 26% - $4,785

Money granted to you by the U.S. Department of Education, Southwestern Illinois College or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 27% - $4,964

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 46% -  $8,371

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Community Colleges in the Region

School Cost vs. Southwestern Illinois College
Saint Louis Community College64.9% less expensive
Lewis and Clark Community College27.8% less expensive
Jefferson College60.4% less expensive
Kaskaskia College41.1% less expensive
St Charles Community College69.1% less expensive

Cost of a Degree

Being a school offering two year programs, prospective students should consider the multi year outlay when budgeting the cost for two years at Southwestern Illinois College.

Estimated 2 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 2 year associate degree at SWIC is $45,080 for students graduating in normal time. This methodology for estimating the 2 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $5,739 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $11,478**

**Based on a 2 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at Southwestern Illinois College.

Illinois Resident Tuition Per Semester$5,985
Illinois Resident Total Cost Per Semester$11,270
Non-Illinois Resident Tuition Per Semester$7,800
Non-Illinois Resident Total Cost Per Semester$13,085

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Southwestern Illinois College are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Southwestern Illinois College
Price per credit hour for in district residents$113
Cost for one class for in district residents (3 credit hours)$339
Price per credit hour for Illinois residents$399
Cost for one class for Illinois residents (3 credit hours)$1,197
Price per credit hour for out of state residents$520
Cost for one class for out of state residents (3 credit hours)$1,560
Cost for one class for out of state residents (4 credit hours)$2,080


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 30% of Southwestern Illinois College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,964.

Example Loan Payments and Costs

How much are student loan payments for Southwestern Illinois College? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $11,478, 100% of the estimated average net price for a two year program and paid nothing while enrolled. The total of all payments including interest would sum $14,241.57. This could be your effective total out of pocket cost of an education at Southwestern Illinois College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 59% of students at this school who receive financial aid and you are paying an average annual net price of $5,739. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Southwestern Illinois College student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Southwestern Illinois College Student Loan Payments
Example Payments
Monthly Loan Payment$118.68
Amount Borrowed$11,478.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$2,763.57
Sum of All Payments over 10 years$14,241.57

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend SWIC? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Southwestern Illinois College, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $14,241.57 would be needed to afford a $118.68 monthly payment in the example $11,478.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Southwestern Illinois College in the future? In the past four years, this school's published in-state tuition and fee total rose from $6,804 to $11,970. This amounts to an average annual price increase of 15.2%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 2 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 2 year cost of $45,080.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Southwestern Illinois College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$29,487$58,973
Estimated Cost in 10 years for students enrolling in 2029$37,633$75,266
Estimated Cost in 15 years for students enrolling in 2034 $48,031$96,061
Estimated Cost in 18 years for students enrolling in 2037 $55,601$111,203

Tuition History

What was tuition at SWIC five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.

YearIn-StateOut-of-stateAnnual Increase
2012$6,468$10,388 7.4%
2011$6,020$9,884 11.4%
2010$5,404$8,260 0%
2009$5,404$8,204 9.7%
2008$4,928$7,700 1.1%
2007$4,872$7,532 10.8%
2006$4,396$6,972 0.6%
2005$4,368$6,916 4%
2004$4,200$6,860 5.6%
2003$3,976$6,664 15.4%
2002$3,444$5,852 34.1%
1999$2,568$4,296 4.9%
1998$2,448$4,104 -35.3%
1997$3,784$4,770 6.8%
1996$3,544$4,440 10.4%
1995$3,210$4,110 0.9%
1994$3,180$4,080 16.1%
1993$2,740$3,940 12.3%
1992$2,440$3,880 6.6%
1991$2,290$3,670 -8%
1990$2,490$3,570 25.5%
1989$1,984$4,064 12.7%

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Southwestern Illinois College to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Liberal Arts and Sciences/Liberal Studies Associate's Degree 457 18% costlier
Biological and Physical Sciences Associate's Degree 262 21% costlier
Registered Nursing/Registered Nurse Associate's Degree 56 30% costlier
Criminal Justice/Law Enforcement Administration Associate's Degree 42 24% costlier
Radiologic Technology/Science - Radiographer Associate's Degree 41 34% costlier
Legal Assistant/Paralegal Associate's Degree 38 29% costlier
Airframe Mechanics and Aircraft Maintenance Technology/Technician Associate's Degree 27 29% costlier
Network and System Administration/Administrator Associate's Degree 23 35% costlier
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician Associate's Degree 20 49% costlier
Electrician Associate's Degree 19 47% costlier
Physical Therapy Technician/Assistant Associate's Degree 19 31% costlier
Welding Technology/Welder Associate's Degree 19 43% costlier
Administrative Assistant and Secretarial Science, General Associate's Degree 19 40% costlier
Child Care Provider/Assistant Associate's Degree 18 33% costlier
Health Information/Medical Records Technology/Technician Associate's Degree 17 37% costlier
Small Business Administration/Management Associate's Degree 15 31% costlier
Respiratory Care Therapy/Therapist Associate's Degree 14 35% costlier
Electrical, Electronic and Communications Engineering Technology/Technician Associate's Degree 14 33% costlier
Computer and Information Sciences, General Associate's Degree 13 32% costlier
Prepress/Desktop Publishing and Digital Imaging Design Associate's Degree 13 40% costlier
Sign Language Interpretation and Translation Associate's Degree 12 33% costlier
Construction Trades, General Associate's Degree 12 57% costlier
Web/Multimedia Management and Webmaster Associate's Degree 12 37% costlier
Music, General Associate's Degree 11 34% costlier
Restaurant, Culinary, and Catering Management/Manager Associate's Degree 11 27% costlier
Fine/Studio Arts, General Associate's Degree 10 31% costlier
Clinical/Medical Laboratory Technician Associate's Degree 10 42% costlier
Social Work Associate's Degree 9 44% costlier
Accounting Associate's Degree 7 29% costlier
Medical/Clinical Assistant Associate's Degree 7 29% costlier
Data Modeling/Warehousing and Database Administration Associate's Degree 6 52% costlier
Music Teacher Education Associate's Degree 5 74% costlier
Information Technology Associate's Degree 5 36% costlier
Fire Science/Fire-fighting Associate's Degree 5 43% costlier
Medical Office Assistant/Specialist Associate's Degree 4 32% costlier
Mechanical Drafting and Mechanical Drafting CAD/CADD Associate's Degree 4 39% costlier
Autobody/Collision and Repair Technology/Technician Associate's Degree 4 42% costlier
Business Administration and Management, General Associate's Degree 4 21% costlier
Aviation/Airway Management and Operations Associate's Degree 3 23% costlier
Computer Programming/Programmer, General Associate's Degree 3 41% costlier
Emergency Medical Technology/Technician (EMT Paramedic) Associate's Degree 3 45% costlier
Selling Skills and Sales Operations Associate's Degree 2 36% costlier
Applied Horticulture/Horticulture Operations, General Associate's Degree 2 32% costlier
Carpentry/Carpenter Associate's Degree 2 40% costlier
General Studies Associate's Degree 1 24% costlier
Engineering, General Associate's Degree 1 39% costlier
Teacher Assistant/Aide Associate's Degree 1 39% costlier
Pipefitting/Pipefitter and Sprinkler Fitter Associate's Degree 1 87% costlier
Industrial Mechanics and Maintenance Technology Associate's Degree 1 50% costlier


Use the calculators below to formulate a college savings plan for Southwestern Illinois College or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Southwestern Illinois College in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Southwestern Illinois College student loan.

Prepayment Option

About Southwestern Illinois College

Southwestern Illinois College is a two year community college located in Belleville, Illinois.  Full time enrollment is 4,172 and part time is 5,343.  Southwestern Illinois College has an open admission policy meaning that any prospective student who has completed high school or attained a GED certificate may enroll in classes.

Only undergraduate degrees are offered at this school.

Southwestern Illinois College
2500 Carlyle Ave
Belleville, Illinois

For Profit / Not For Profit Status

Southwestern Illinois College is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

Southwestern Illinois College cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=143215 IPEDS survey data.