by our College Data Analytics TeamHere you will find what students actually borrow to attend Holy Apostles College and Seminary, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Holy Apostles College and Seminary, 33% of first-year students take on loan debt, for an average of $3,752 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $3,752, representing 68.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Holy Apostles College and Seminary, freshmen included, 26% take out federal student loans, for a typical $4,177 each per year. That amounts to 11.3% above the first-year federal average of $3,752.
At a steady annual pace, that totals around $8,354 over two years and about $16,708 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $4,177 |
| Undergraduates with a federal loan | 53 |
| Total federal loans (one year) | $221,388 |
Graduating and withdrawing students at Holy Apostles College and Seminary carry a median federal debt of $7,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,500 |
| Students who completed (graduates) | $12,541 |
| Students who withdrew | $4,405 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Repayment burden translates the debt figures into what a borrower actually pays each month. Holy Apostles College and Seminary.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Holy Apostles College and Seminary appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.6% |
| Borrowers in the cohort | 22 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Middle income | $8,126 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,872 |
| Continuing-generation students | $7,248 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,995 |
| Independent students | $7,882 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Holy Apostles College and Seminary.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.