by our College Data Analytics TeamHere you will find what students actually borrow to attend Central Christian College of the Bible: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Central Christian College of the Bible, 63% of incoming undergraduates borrow in year one, with a typical loan of $6,350 per student, private and federal loans combined.
The typical federal loan comes to $6,350. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Central Christian College of the Bible, 44% use federal student loans to help pay for their education, averaging $7,153 annually. That amounts to 12.6% above the $6,350 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $14,306 after two years and $28,612 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $7,153 |
| Undergraduates with a federal loan | 61 |
| Total federal loans (one year) | $436,336 |
The middle borrower at Central Christian College of the Bible owes $10,125 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,125 |
| Students who completed (graduates) | $17,500 |
| Students who withdrew | $5,600 |
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 Central Christian College of the Bible.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,000 |
| 75th percentile | $16,531 |
| 90th percentile (highest-debt students) | $24,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Central Christian College of the Bible.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Central Christian College of the Bible.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 29 | $9,043 |
These figures turn the debt totals into a monthly repayment picture for Central Christian College of the Bible.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Central Christian College of the Bible follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 126 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $11,000 |
| Middle income | $8,911 |
| High income | $11,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,825 |
| Continuing-generation students | $6,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,125 |
| Independent students | $10,280 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Central Christian College of the Bible.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
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.