by our College Data Analytics TeamThis page focuses on the debt students take on to attend Saint Francis Medical Center College of Nursing— 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.
Across the full undergraduate body at St. Francis Medical Center College of Nursing (freshmen included), 26% take out federal student loans, for a typical $11,347 per year.
Carrying that yearly figure forward comes to roughly $22,694 after two years and $45,388 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $11,347 |
| Undergraduates with a federal loan | 70 |
| Total federal loans (one year) | $794,278 |
Graduating and withdrawing students at St. Francis Medical Center College of Nursing carry a median federal debt of $15,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $15,000 |
| Students who withdrew | $7,500 |
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 St. Francis Medical Center College of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,124 |
| 25th percentile | $9,000 |
| 75th percentile | $22,800 |
| 90th percentile (highest-debt students) | $25,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at St. Francis Medical Center College of Nursing.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at St. Francis Medical Center College of Nursing.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 80 | $18,071 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at St. Francis Medical Center College of Nursing.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 68 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. St. Francis Medical Center College of Nursing.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for St. Francis Medical Center College of Nursing appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 143 |
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 | $17,565 |
| Middle income | $15,000 |
| High income | $13,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $14,019 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,000 |
| Independent students | $18,750 |
Federal data publishes the following gap measures for St. Francis Medical Center College of Nursing.
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?
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.