by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Northwest Vista College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Northwest Vista College, 2% of first-year students take on loan debt, at roughly $5,170 per borrower, covering both private and federal loans.
The average federally funded loan is $5,039, amounting to 91.6% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Northwest Vista College, 3% finance part of their studies with federal loans, borrowing on average $5,592 a year. That amounts to 11.0% above the freshman federal average of $5,039.
Borrowing the same amount each year would add up to roughly $11,184 by year two and around $22,368 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 3% |
| Average federal loan per year | $5,592 |
| Undergraduates with a federal loan | 435 |
| Total federal loans (one year) | $2,432,613 |
Graduating and withdrawing students at Northwest Vista College carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,400 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Northwest Vista College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,575 |
| 25th percentile | $2,949 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $19,733 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Northwest Vista College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Northwest Vista College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 700 | $10,803 |
| Completed (graduates) | 84 | $9,744 |
| Did not complete | 616 | $10,997 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $115.87/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Northwest Vista College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 681 | $10,839 |
| No Stafford loan | 19 | $9,536 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 105 | $8,793 |
| No Stafford loan this year | 595 | $11,504 |
These figures turn the debt totals into a monthly repayment picture for Northwest Vista 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 Northwest Vista College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 629 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,530 |
| Middle income | $5,500 |
| High income | $5,325 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,250 |
| Independent students | $9,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Northwest Vista College.
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.
Did You Know?
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.