by our College Data Analytics TeamHere you will find what students actually borrow to attend College of Southern Idaho, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at College of Southern Idaho, 16% of incoming students take out a loan to help cover first-year costs, for an average of $3,492 per student, private and federal loans combined.
The average federally funded loan is $3,029, or about 55.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at College of Southern Idaho, 17% finance part of their studies with federal loans, for a typical $3,662 per year. That amounts to 20.9% more than the $3,029 freshmen take on.
Borrowing the same amount each year would add up to roughly $7,324 in two years and roughly $14,648 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $3,662 |
| Undergraduates with a federal loan | 613 |
| Total federal loans (one year) | $2,244,877 |
Graduating and withdrawing students at College of Southern Idaho carry a median federal debt of $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,000 |
| Students who withdrew | $4,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for College of Southern Idaho.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,900 |
| 75th percentile | $11,491 |
| 90th percentile (highest-debt students) | $21,719 |
How wide this percentile range is tells you how much borrowing varies across students at College of Southern Idaho.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at College of Southern Idaho.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 97 | $10,085 |
| Completed (graduates) | 37 | $11,580 |
| Did not complete | 60 | $9,504 |
On a standard 10-year plan, the median completing borrower would pay about $137.7/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at College of Southern Idaho.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 41 | $8,207 |
| No Stafford loan this year | 56 | $12,051 |
These figures turn the debt totals into a monthly repayment picture for College of Southern Idaho.
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 Southern Idaho is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.4% |
| Borrowers in the cohort | 2504 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,154 |
| Middle income | $5,217 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,638 |
| Continuing-generation students | $4,954 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $8,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at College of Southern Idaho.
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.
Worth Knowing
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.