by our College Data Analytics TeamThis page focuses on the debt students take on to attend Saint Elizabeth School of Nursing, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program, 57% of first-year students take on loan debt, averaging $5,000 per student, private and federal loans combined.
The average federal loan is $5,667. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program (freshmen included), 66% finance part of their studies with federal loans, for a typical $9,041 a year. That amounts to 59.5% above the $5,667 borrowed by freshmen.
Borrowing at that rate every year works out to about $18,082 over two years and about $36,164 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $9,041 |
| Undergraduates with a federal loan | 87 |
| Total federal loans (one year) | $786,528 |
The median student at St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program borrows $19,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,500 |
| Students who completed (graduates) | $26,213 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $9,500 |
| 25th percentile | $19,125 |
| 75th percentile | $36,425 |
| 90th percentile (highest-debt students) | $44,375 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 43 | $24,572 |
The indicators below describe what the typical debt costs to pay back at St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.1% |
| Borrowers in the cohort | 85 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,625 |
| Middle income | $17,500 |
| High income | $21,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,500 |
| Continuing-generation students | $20,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,500 |
| Independent students | $24,806 |
Federal data publishes the following gap measures for St. Elizabeth School of Nursing and University of Saint Francis Cooperative Nursing Program.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
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.