by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The College of Health Care Professions-Northwest, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at CHCP - Northwest, 74% of incoming undergraduates borrow in year one, averaging $6,220 each — a figure that counts both private and federal student loans.
Federal loans alone average $6,220. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at CHCP - Northwest, 68% finance part of their studies with federal loans, at an average of $6,052 annually. This is 2.7% less than the $6,220 freshmen take on.
Repeating that yearly amount projects to about $12,104 after two years and $24,208 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $6,052 |
| Undergraduates with a federal loan | 3,926 |
| Total federal loans (one year) | $23,758,708 |
The middle borrower at CHCP - Northwest owes $9,473 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,473 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,005 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at CHCP - Northwest.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,926 |
| 25th percentile | $5,500 |
| 75th percentile | $14,695 |
| 90th percentile (highest-debt students) | $20,867 |
How wide this percentile range is tells you how much borrowing varies across students at CHCP - Northwest.
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 CHCP - Northwest.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1000 | $5,651 |
| Completed (graduates) | 775 | $5,859 |
| Did not complete | 225 | $4,705 |
On a standard 10-year plan, the median completing borrower would pay about $69.67/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 CHCP - Northwest.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 967 | $5,702 |
| No Stafford loan | 33 | $1,990 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 917 | $5,701 |
| No Stafford loan this year | 83 | $4,649 |
Repayment burden translates the debt figures into what a borrower actually pays each month. CHCP - Northwest.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for CHCP - Northwest is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.9% |
| Borrowers in the cohort | 932 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,499 |
| Middle income | $9,311 |
| High income | $7,793 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,450 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at CHCP - Northwest.
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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.