by our College Data Analytics TeamHere you will find what students actually borrow to attend Southeast Texas Career Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Southeast Texas Career Institute, 35% of incoming students take out a loan to help cover first-year costs, averaging $5,064 each, across private and federal loan sources.
The typical federal loan comes to $5,064, amounting to 92.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Southeast Texas Career Institute, 38% rely on federal student loans toward their education, borrowing on average $2,907 a year. That amounts to 42.6% under the freshman federal average of $5,064.
Carrying that yearly figure forward comes to roughly $5,814 in two years and roughly $11,628 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $2,907 |
| Undergraduates with a federal loan | 54 |
| Total federal loans (one year) | $156,984 |
Graduating and withdrawing students at Southeast Texas Career Institute carry a median federal debt of $4,584 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,584 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $3,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Southeast Texas Career Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,388 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $15,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Southeast Texas Career Institute.
Repayment burden translates the debt figures into what a borrower actually pays each month. Southeast Texas Career Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Southeast Texas Career Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 43 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,584 |
| Middle income | $6,222 |
| High income | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,584 |
| Independent students | $4,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Southeast Texas Career Institute.
The Difference Between Subsidized and 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?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.