by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The Chicago School-College of Nursing: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Across the full undergraduate body at Dallas Nursing Institute (freshmen included), 52% borrow through federal student loan programs, borrowing on average $5,195 annually.
Repeating that yearly amount projects to about $10,390 by year two and around $20,780 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $5,195 |
| Undergraduates with a federal loan | 15 |
| Total federal loans (one year) | $77,926 |
Graduating and withdrawing students at Dallas Nursing Institute carry a median federal debt of $10,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,250 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Dallas Nursing Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,166 |
| 25th percentile | $1,949 |
| 75th percentile | $7,593 |
| 90th percentile (highest-debt students) | $24,136 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Dallas Nursing Institute.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Dallas Nursing Institute.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 882 | $19,181 |
| Completed (graduates) | 595 | $21,265 |
| Did not complete | 287 | $16,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $252.86/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 Dallas Nursing Institute.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 796 | $18,836 |
| No Stafford loan this year | 86 | $21,937 |
These figures turn the debt totals into a monthly repayment picture for Dallas Nursing Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Dallas Nursing Institute follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.1% |
| Borrowers in the cohort | 1143 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $9,500 |
| Middle income | $10,500 |
| High income | $11,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $10,938 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Dallas Nursing Institute.
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.
Did You Know?
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.