Cost & ROI · 2026
Is Swarthmore College worth it?
Pay $23,149/yr after aid. Graduates earn a median of $80,257 ten years out — about 3.5× the annual cost. EduGradify value grade: B.
The ROI math, in 30 seconds
Benchmarks
Swarthmore College vs Pennsylvania avg vs national avg
How this school stacks up against the typical Pennsylvania college and the typical US college.
| Metric | Swarthmore College | Pennsylvania avg | National avg |
|---|---|---|---|
| Avg net price | ▼ $23,149 | $22,267 | $18,467 |
| Median earnings 10y | ▲ $80,257 | $57,791 | $50,834 |
| Median debt | ▲ $17,500 | $22,695 | $19,694 |
| Graduation rate | ▲ 92.3% | 55.2% | 49.9% |
| Acceptance rate | ▼ 7.5% | 76.1% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $336,412 over four years. Most students get $60,954/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $17,500 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 22% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median Swarthmore College grad earns about $1,410,280 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about Swarthmore College
The average student at Swarthmore College pays $23,149 a year after grants and scholarships, against a $84,103 published sticker price. That is above the PA average net price of $22,267.
Ten years after entry, graduates earn a median of $80,257 — above the PA median of $57,791. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $17,500, roughly $190 a month on a standard ten-year plan — a manageable load at about 22% of one year's median earnings.
Frequently asked
Cost & ROI questions
What is the net price at Swarthmore College?
The average net price — what students actually pay after grants and scholarships — is $23,149 per year. That's $60,954/yr in financial aid against the $84,103 sticker price. Over four years, that adds up to roughly $92,596.
How much do Swarthmore College graduates earn?
Ten years after enrolling, Swarthmore College graduates earn a median of $80,257 per year — above the national average of $50,834. That's about 3.5× the annual net cost.
How much debt do Swarthmore College graduates take on?
Median federal loan debt at graduation is $17,500 — about $190/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 10.6% of students take federal loans.
Is Swarthmore College worth the cost?
EduGradify assigns Swarthmore College a value grade of B — top 39% on real ROI nationally. The math: pay $23,149/yr, earn $80,257/yr ten years out, ROI score of 8.67. Exceptional Investment.
What financial aid is available at Swarthmore College?
19.5% of students receive federal Pell Grants (need-based federal aid). 10.6% take federal student loans. On average, students get $60,954 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at Swarthmore College?
In-state tuition is $65,494 per year. Out-of-state tuition is $65,494 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at Swarthmore College?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $7,690. Students from families earning over $110k pay about $47,544. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →