by our College Data Analytics TeamThis page focuses on the debt students take on to attend College of Biblical Studies-Houston: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at College of Biblical Studies - Houston, 62% of incoming students take out a loan to help cover first-year costs, with a typical loan of $2,782 per borrower, covering both private and federal loans.
The average federally funded loan is $2,782, or about 50.6% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at College of Biblical Studies - Houston, freshmen included, 22% finance part of their studies with federal loans, with a mean of $8,794 per year. This works out to 216.1% greater than the first-year federal average of $2,782.
Borrowing the same amount each year would add up to roughly $17,588 by year two and around $35,176 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 22% |
| Average federal loan per year | $8,794 |
| Undergraduates with a federal loan | 105 |
| Total federal loans (one year) | $923,323 |
Graduating and withdrawing students at College of Biblical Studies - Houston carry a median federal debt of $14,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,750 |
| Students who completed (graduates) | $25,570 |
| Students who withdrew | $12,828 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for College of Biblical Studies - Houston.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,375 |
| 25th percentile | $4,483 |
| 75th percentile | $25,843 |
| 90th percentile (highest-debt students) | $40,668 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at College of Biblical Studies - Houston.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at College of Biblical Studies - Houston.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 33 | $12,125 |
Federal data lets us separate Stafford borrowers from the rest at College of Biblical Studies - Houston.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 20 | — |
| No Stafford loan this year | 13 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. College of Biblical Studies - Houston.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for College of Biblical Studies - Houston is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.6% |
| Borrowers in the cohort | 115 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,622 |
| Middle income | $13,414 |
| High income | $15,819 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,295 |
| Continuing-generation students | $16,394 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,103 |
| Independent students | $15,532 |
Federal data publishes the following gap measures for College of Biblical Studies - Houston.
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.
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.