by our College Data Analytics TeamThis page focuses on the debt students take on to attend Cabarrus College of Health Sciences— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Cabarrus College of Health Sciences, 100% of incoming undergraduates borrow in year one, with a typical loan of $7,342 per student, private and federal loans combined.
On the federal side, the average loan is $6,289. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Cabarrus College of Health Sciences, 89% finance part of their studies with federal loans, with a mean of $8,092 per year. That is 28.7% above the $6,289 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $16,184 across two years and $32,368 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 89% |
| Average federal loan per year | $8,092 |
| Undergraduates with a federal loan | 534 |
| Total federal loans (one year) | $4,320,940 |
The median student at Cabarrus College of Health Sciences borrows $11,499 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,499 |
| Students who completed (graduates) | $16,000 |
| Students who withdrew | $5,500 |
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 Cabarrus College of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,000 |
| 75th percentile | $21,000 |
| 90th percentile (highest-debt students) | $27,804 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cabarrus College of Health Sciences.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Cabarrus College of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 81 | $16,000 |
| Completed (graduates) | 45 | $20,000 |
| Did not complete | 36 | $11,525 |
On a standard 10-year plan, the median completing borrower would pay about $237.82/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 Cabarrus College of Health Sciences.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 69 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cabarrus College of Health Sciences.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Cabarrus College of Health Sciences appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 137 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $10,500 |
| Middle income | $10,700 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,000 |
| Continuing-generation students | $11,919 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,400 |
| Independent students | $12,413 |
Federal data publishes the following gap measures for Cabarrus College of Health Sciences.
The Difference Between 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?
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.