by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Jewish Theological Seminary of America: 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.
For incoming students at Jewish Theological Seminary of America, 15% of first-year students take on loan debt, with a typical loan of $11,286 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,833, which is 87.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Jewish Theological Seminary of America, 12% take out federal student loans, for a typical $5,763 each per year. It comes to 19.2% greater than the $4,833 freshmen take on.
Borrowing the same amount each year would add up to roughly $11,526 by year two and around $23,052 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $5,763 |
| Undergraduates with a federal loan | 20 |
| Total federal loans (one year) | $115,250 |
Graduating and withdrawing students at Jewish Theological Seminary of America carry a median federal debt of $14,976 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,976 |
These figures turn the debt totals into a monthly repayment picture for Jewish Theological Seminary of America.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Jewish Theological Seminary of America is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.5% |
| Borrowers in the cohort | 63 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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
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.