by our College Data Analytics TeamThis page focuses on the debt students take on to attend Citizens School of Nursing, 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 Citizens School of Nursing, 62% of freshmen borrow to help pay for their first year, at roughly $11,341 per borrower, covering both private and federal loans.
The average federally funded loan is $4,125, which is 75.0% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Citizens School of Nursing, 77% take out federal student loans, at an average of $7,553 per year. This is 83.1% greater than the first-year federal average of $4,125.
Carrying that yearly figure forward comes to roughly $15,106 by year two and around $30,212 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 77% |
| Average federal loan per year | $7,553 |
| Undergraduates with a federal loan | 109 |
| Total federal loans (one year) | $823,238 |
The middle borrower at Citizens School of Nursing owes $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $15,250 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Citizens School of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,625 |
| 75th percentile | $18,906 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Citizens School of Nursing.
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 Citizens School of Nursing.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 30 | $12,200 |
The indicators below describe what the typical debt costs to pay back at Citizens School of Nursing.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Citizens School of Nursing follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 109 |
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 | $12,000 |
| Middle income | $12,000 |
| High income | $11,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $9,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $15,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Citizens School of Nursing.
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.
Worth Knowing
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.