by our College Data Analytics TeamThis page focuses on the debt students take on to attend Trinity Christian College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Trinity Christian, 57% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,468 each, across private and federal loan sources.
On the federal side, the average loan is $5,108, amounting to 92.9% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Trinity Christian, 56% rely on federal student loans toward their education, borrowing on average $6,525 in federal loans per year. That is 27.7% more than the $5,108 borrowed by freshmen.
Borrowing at that rate every year works out to about $13,050 over two years and about $26,100 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $6,525 |
| Undergraduates with a federal loan | 442 |
| Total federal loans (one year) | $2,884,129 |
Graduating and withdrawing students at Trinity Christian carry a median federal debt of $21,358 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,358 |
| Students who completed (graduates) | $25,009 |
| Students who withdrew | $10,593 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Trinity Christian.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $10,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $33,937 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Trinity Christian.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Trinity Christian.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 143 | $16,000 |
| Completed (graduates) | 82 | $18,426 |
| Did not complete | 61 | $14,908 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $219.1/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Trinity Christian.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 132 | — |
| No Stafford loan this year | 11 | — |
These figures turn the debt totals into a monthly repayment picture for Trinity Christian.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Trinity Christian is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.5% |
| Borrowers in the cohort | 481 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $21,429 |
| Middle income | $21,850 |
| High income | $20,150 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $21,250 |
| Continuing-generation students | $21,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,484 |
| Independent students | $24,223 |
Federal data publishes the following gap measures for Trinity Christian.
Subsidized and 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.
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.