by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Dallas Christian College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at Dallas Christian College, 59% of first-year students take on loan debt, borrowing on average $7,658 each, across private and federal loan sources.
The average federally funded loan is $5,729. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Dallas Christian College, 58% use federal student loans to help pay for their education, at an average of $6,784 each per year. This is 18.4% more than the $5,729 freshmen take on.
Repeating that yearly amount projects to about $13,568 over two years and about $27,136 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $6,784 |
| Undergraduates with a federal loan | 157 |
| Total federal loans (one year) | $1,065,135 |
The middle borrower at Dallas Christian College owes $15,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $24,912 |
| Students who withdrew | $7,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Dallas Christian College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $28,500 |
| 90th percentile (highest-debt students) | $42,519 |
How wide this percentile range is tells you how much borrowing varies across students at Dallas Christian College.
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 Dallas Christian College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 59 | $25,771 |
| Completed (graduates) | 29 | $51,566 |
| Did not complete | 30 | $13,739 |
On a standard 10-year plan, the median completing borrower would pay about $613.17/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Dallas Christian College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Dallas Christian College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.1% |
| Borrowers in the cohort | 146 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,000 |
| Middle income | $15,875 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,000 |
| Independent students | $22,472 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Dallas Christian College.
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
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.