by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The Chicago School at Xavier University of Louisiana: 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.
The middle borrower at The Chicago School Louisiana Campus owes $10,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,250 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for The Chicago School Louisiana Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,166 |
| 25th percentile | $1,949 |
| 75th percentile | $7,593 |
| 90th percentile (highest-debt students) | $24,136 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at The Chicago School Louisiana Campus.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at The Chicago School Louisiana Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 882 | $19,181 |
| Completed (graduates) | 595 | $21,265 |
| Did not complete | 287 | $16,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $252.86/mo.
Federal data lets us separate Stafford borrowers from the rest at The Chicago School Louisiana Campus.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 796 | $18,836 |
| No Stafford loan this year | 86 | $21,937 |
These figures turn the debt totals into a monthly repayment picture for The Chicago School Louisiana Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for The Chicago School Louisiana Campus appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.1% |
| Borrowers in the cohort | 1143 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,500 |
| High income | $11,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $10,938 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at The Chicago School Louisiana Campus.
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?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.