by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Saint Vincent Seminary— 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.
The median student at Saint Vincent Seminary borrows $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Saint Vincent Seminary.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Saint Vincent Seminary.
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 Vincent Seminary.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 318 | $31,577 |
| Completed (graduates) | 220 | $43,823 |
| Did not complete | 98 | $20,792 |
On a standard 10-year plan, the median completing borrower would pay about $521.1/mo.
Federal data lets us separate Stafford borrowers from the rest at Saint Vincent Seminary.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 307 | — |
| No Stafford loan this year | 11 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Saint Vincent Seminary.
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 Seminary 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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $24,516 |
| Middle income | $20,500 |
| High income | $23,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,516 |
| Continuing-generation students | $22,125 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $23,250 |
| Independent students | $18,875 |
Federal data publishes the following gap measures for Saint Vincent Seminary.
Subsidized vs. 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
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.