by our College Data Analytics TeamThis page focuses on the debt students take on to attend Crestpoint University— 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.
At National Paralegal College, 70% of first-year students take on loan debt, for an average of $4,920 per borrower, covering both private and federal loans.
The average federally funded loan is $4,920, representing 89.5% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at National Paralegal College (freshmen included), 54% take out federal student loans, for a typical $8,249 each per year. That is 67.7% higher than the $4,920 typical freshmen borrow.
Borrowing at that rate every year works out to about $16,498 across two years and $32,996 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $8,249 |
| Undergraduates with a federal loan | 208 |
| Total federal loans (one year) | $1,715,771 |
The middle borrower at National Paralegal College owes $13,994 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,994 |
| Students who completed (graduates) | $24,853 |
| Students who withdrew | $4,224 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at National Paralegal College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,314 |
| 25th percentile | $4,752 |
| 75th percentile | $25,250 |
| 90th percentile (highest-debt students) | $44,280 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at National Paralegal College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for National Paralegal College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 38 | $9,168 |
Repayment burden translates the debt figures into what a borrower actually pays each month. National Paralegal College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for National Paralegal College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 36 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,750 |
| Middle income | $12,596 |
| High income | $13,252 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,987 |
| Continuing-generation students | $14,312 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,372 |
| Independent students | $14,748 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at National Paralegal College.
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.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.