by our College Data Analytics TeamHere you will find what students actually borrow to attend Saint Paul College— 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.
Looking at the entering class at Saint Paul College, 19% of first-year students take on loan debt, at roughly $5,688 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $5,518. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Counting every undergraduate at Saint Paul College, 24% finance part of their studies with federal loans, at an average of $6,157 per year. This is 11.6% more than the $5,518 typical freshmen borrow.
At a steady annual pace, that totals around $12,314 over two years and about $24,628 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 24% |
| Average federal loan per year | $6,157 |
| Undergraduates with a federal loan | 869 |
| Total federal loans (one year) | $5,350,231 |
The middle borrower at Saint Paul College owes $9,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,000 |
| Students who completed (graduates) | $10,925 |
| Students who withdrew | $8,194 |
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 Saint Paul College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $4,000 |
| 75th percentile | $16,135 |
| 90th percentile (highest-debt students) | $29,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Saint Paul College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Saint Paul College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 343 | $12,000 |
| Completed (graduates) | 98 | $11,453 |
| Did not complete | 245 | $12,009 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $136.19/mo.
Federal data lets us separate Stafford borrowers from the rest at Saint Paul College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 131 | $8,043 |
| No Stafford loan this year | 212 | $13,976 |
The indicators below describe what the typical debt costs to pay back at Saint Paul College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Saint Paul College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.0% |
| Borrowers in the cohort | 2059 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $7,758 |
| High income | $7,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,083 |
| Continuing-generation students | $8,901 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,945 |
| Independent students | $9,547 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Saint Paul College.
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
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.