by our College Data Analytics TeamHere you will find what students actually borrow to attend Design Institute of San Diego: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Design Institute of San Diego, 100% of incoming students take out a loan to help cover first-year costs, averaging $5,444 each, across private and federal loan sources.
The average federally funded loan is $5,444, which is 99.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Design Institute of San Diego, freshmen included, 63% finance part of their studies with federal loans, averaging $9,613 in federal loans per year. It comes to 76.6% greater than the $5,444 freshmen take on.
Borrowing at that rate every year works out to about $19,226 over two years and about $38,452 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $9,613 |
| Undergraduates with a federal loan | 58 |
| Total federal loans (one year) | $557,563 |
Graduating and withdrawing students at Design Institute of San Diego carry a median federal debt of $24,530 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,530 |
| Students who completed (graduates) | $36,844 |
| Students who withdrew | $13,215 |
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 Design Institute of San Diego.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,527 |
| 75th percentile | $38,060 |
These figures turn the debt totals into a monthly repayment picture for Design Institute of San Diego.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Design Institute of San Diego follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.5% |
| Borrowers in the cohort | 109 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $29,425 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $29,250 |
| Continuing-generation students | $23,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,500 |
| Independent students | $27,302 |
Federal data publishes the following gap measures for Design Institute of San Diego.
The Difference Between 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.
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.