by our College Data Analytics TeamThis page focuses on the debt students take on to attend Charlotte Christian College and Theological Seminary, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For undergraduates overall at CCCTS, 86% use federal student loans to help pay for their education, at an average of $3,744 in federal loans per year.
Borrowing at that rate every year works out to about $7,488 in two years and roughly $14,976 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 86% |
| Average federal loan per year | $3,744 |
| Undergraduates with a federal loan | 31 |
| Total federal loans (one year) | $116,050 |
The middle borrower at CCCTS owes $8,701 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,701 |
| Students who completed (graduates) | $18,000 |
| Students who withdrew | $5,917 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CCCTS.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $3,001 |
| 75th percentile | $35,316 |
These figures turn the debt totals into a monthly repayment picture for CCCTS.
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 CCCTS follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.2% |
| Borrowers in the cohort | 20 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
Federal data publishes the following gap measures for CCCTS.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.