by our College Data Analytics TeamHere you will find what students actually borrow to attend Saint Vincent College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Saint Vincent, 92% of incoming students take out a loan to help cover first-year costs, at roughly $9,722 each, across private and federal loan sources.
On the federal side, the average loan is $5,813. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Saint Vincent, freshmen included, 83% use federal student loans to help pay for their education, borrowing on average $6,796 per year. It comes to 16.9% larger than the first-year federal average of $5,813.
At a steady annual pace, that totals around $13,592 across two years and $27,184 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 | 83% |
| Average federal loan per year | $6,796 |
| Undergraduates with a federal loan | 1,043 |
| Total federal loans (one year) | $7,087,898 |
Graduating and withdrawing students at Saint Vincent carry a median federal debt of $23,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,250 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $8,250 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Saint Vincent.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Saint Vincent.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Saint Vincent.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 318 | $31,577 |
| Completed (graduates) | 220 | $43,823 |
| Did not complete | 98 | $20,792 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $521.1/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 Saint Vincent.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 307 | — |
| No Stafford loan this year | 11 | — |
The indicators below describe what the typical debt costs to pay back at Saint Vincent.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Saint Vincent follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.8% |
| Borrowers in the cohort | 532 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $24,516 |
| Middle income | $20,500 |
| High income | $23,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,516 |
| Continuing-generation students | $22,125 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $23,250 |
| Independent students | $18,875 |
Federal data publishes the following gap measures for Saint Vincent.
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.
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.