by our College Data Analytics TeamThis page focuses on the debt students take on to attend Northpoint Bible College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Northpoint Bible College, 83% of freshmen borrow to help pay for their first year, averaging $6,887 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,087. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Northpoint Bible College, 63% rely on federal student loans toward their education, at an average of $7,519 per year. It comes to 23.5% above the $6,087 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $15,038 over two years and about $30,076 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 | 63% |
| Average federal loan per year | $7,519 |
| Undergraduates with a federal loan | 57 |
| Total federal loans (one year) | $428,579 |
The median student at Northpoint Bible College borrows $16,657 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,657 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Northpoint Bible College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $26,995 |
| 90th percentile (highest-debt students) | $38,750 |
How wide this percentile range is tells you how much borrowing varies across students at Northpoint Bible College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Northpoint Bible College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 27 | $14,262 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Northpoint Bible College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Northpoint Bible College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.9% |
| Borrowers in the cohort | 85 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $17,875 |
| Middle income | $16,563 |
| High income | $16,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,500 |
| Continuing-generation students | $10,399 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,750 |
| Independent students | $14,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Northpoint Bible College.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.