by our College Data Analytics TeamBelow is federal data on the loans students use to pay for South Hills School of Business & Technology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at South Hills School of Business & Technology, 87% of freshmen borrow to help pay for their first year, for an average of $9,464 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,748. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at South Hills School of Business & Technology (freshmen included), 75% finance part of their studies with federal loans, borrowing on average $7,766 annually. This works out to 35.1% above the $5,748 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $15,532 over two years and about $31,064 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $7,766 |
| Undergraduates with a federal loan | 181 |
| Total federal loans (one year) | $1,405,728 |
Graduating and withdrawing students at South Hills School of Business & Technology carry a median federal debt of $12,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $16,000 |
| Students who withdrew | $6,334 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 South Hills School of Business & Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $8,298 |
| 75th percentile | $22,192 |
| 90th percentile (highest-debt students) | $24,168 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at South Hills School of Business & Technology.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at South Hills School of Business & Technology.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 120 | $18,856 |
| Completed (graduates) | 90 | $20,184 |
| Did not complete | 30 | $13,275 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $240.01/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. South Hills School of Business & Technology.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for South Hills School of Business & Technology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.9% |
| Borrowers in the cohort | 353 |
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 | $12,000 |
| Middle income | $12,000 |
| High income | $13,354 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $13,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at South Hills School of Business & Technology.
Subsidized vs. 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
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.