by our College Data Analytics TeamHere you will find what students actually borrow to attend Carolinas College of Health Sciences, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Carolinas College of Health Sciences, 80% of freshmen borrow to help pay for their first year, with a typical loan of $14,632 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $9,403. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Carolinas College of Health Sciences, 77% take out federal student loans, borrowing on average $6,068 annually. That is 35.5% under the $9,403 typical freshmen borrow.
Borrowing at that rate every year works out to about $12,136 in two years and roughly $24,272 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 77% |
| Average federal loan per year | $6,068 |
| Undergraduates with a federal loan | 312 |
| Total federal loans (one year) | $1,893,174 |
Graduating and withdrawing students at Carolinas College of Health Sciences carry a median federal debt of $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $15,337 |
| Students who withdrew | $4,779 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Carolinas College of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,334 |
| 25th percentile | $4,425 |
| 75th percentile | $14,250 |
| 90th percentile (highest-debt students) | $23,017 |
How wide this percentile range is tells you how much borrowing varies across students at Carolinas College of Health Sciences.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Carolinas College of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 100 | $16,866 |
| Completed (graduates) | 55 | $16,783 |
| Did not complete | 45 | $16,950 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $199.57/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 Carolinas College of Health Sciences.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 80 | $16,235 |
| No Stafford loan this year | 20 | $19,135 |
These figures turn the debt totals into a monthly repayment picture for Carolinas College of Health Sciences.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Carolinas College of Health Sciences appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 147 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $11,733 |
| High income | $8,417 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,032 |
| Continuing-generation students | $8,558 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,459 |
| Independent students | $11,988 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Carolinas College of Health Sciences.
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.