Southwestern Christian College
Private Community College in Terrell, TX. Six-year graduation rate 3%. Median 10-year earnings $32,672.
Median earnings ten years after entry come to $32,672, below what most undergraduate institutions return — the central fact to weigh against cost here. Completion is the weak point: 3% graduate within six years.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ 3-year loan default 0.0% — below national benchmark
- ! Graduation rate 3% — below national average
Academics
Completion is the problem here: 3% graduate within six years. Retention is strong at 100%, and first-year attrition is where most degrees are lost. That gap between coming back and finishing is where this school loses people — after the first year, not during it. A 15:1 ratio points to small classes and accessible faculty. As a private nonprofit four-year college, the relevant comparison is other four-year schools rather than the national average across all institutions.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 128 degree- or certificate-seeking undergraduates
Net price lands at $16,706 a year on average, neither cheap nor punishing. The gap between the $0–30k and $110k+ bands is narrow ($13,140 versus $19,039), meaning aid is not strongly need-weighted. Most students get help: 86% receive grants worth $12,144 on average. About 52% borrow federally, roughly the national pattern.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 69 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $13,140 |
| $30–48k | $17,760 |
| $48–75k | $21,219 |
| $75–110k | $20,568 |
| $110k+ | $19,039 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 67 of these 128 students, totalling $434,500 — an average of $6,485 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Kaufman County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026
Veterans & GI Bill
Heightened Cash Monitoring (Financial Responsibility); School placed on Heightened Cash Monitoring
VA GI Bill Comparison Tool (Veterans Affairs GIDS)