by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Baptist Health Sciences University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Baptist College of Health Sciences, 61% of incoming undergraduates borrow in year one, for an average of $6,727 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,073, amounting to 92.2% of the $5,500 federal limit that applies to a typical first-year dependent borrower. 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 Baptist College of Health Sciences (freshmen included), 75% take out federal student loans, with a mean of $10,441 annually. That is 105.8% more than the $5,073 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $20,882 after two years and $41,764 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $10,441 |
| Undergraduates with a federal loan | 506 |
| Total federal loans (one year) | $5,283,392 |
The middle borrower at Baptist College of Health Sciences owes $16,170 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,170 |
| Students who completed (graduates) | $29,500 |
| Students who withdrew | $8,250 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Baptist College of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $12,686 |
| 75th percentile | $40,750 |
| 90th percentile (highest-debt students) | $50,575 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Baptist College of Health Sciences.
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 Baptist College of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 194 | $13,293 |
| Completed (graduates) | 92 | $14,428 |
| Did not complete | 102 | $11,019 |
On a standard 10-year plan, the median completing borrower would pay about $171.56/mo.
The indicators below describe what the typical debt costs to pay back at Baptist College of Health Sciences.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Baptist College of Health Sciences appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.5% |
| Borrowers in the cohort | 283 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,750 |
| Middle income | $16,000 |
| High income | $16,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,170 |
| Continuing-generation students | $16,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,000 |
| Independent students | $18,523 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Baptist College of Health Sciences.
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.
Important to Remember
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.