Warriors at heart. Your campus experience may only last a few years, but your connection to Southern Wesleyan can last a lifetime. Stay connected to SWU through events, publications, and social media.

The faith-filled community at SWU is comprised of students, faculty and staff who are passionate about learning and growing, both inside and outside of the classroom.

Debt Management

Real debt management isn’t through a company you’ve seen on television or heard on the radio. Debt management starts with knowing your debt and having a solid plan to reduce it! If you don’t have a formal budget you are following, you need one. It will be your road map to the destination of being debt free. “Good debt management is 80% behavior and 20% head knowledge” (Dave Ramsey). That simply means it’s easy enough for anyone to do, but you have to change your behavior to make it happen. Watch Dave Ramsey discuss the debt snowball method.

Good debt management is 80% behavior and 20% head knowledge.
— Dave Ramsey

Helpful tools for debt management

Download Amortization Chart Excel File

The amortization chart is customizable per loan so that you can see how making extra payments toward principle will help save you a lot of money in interest as well as help you get out of debt faster. It’s simple to use!