by our College Data Analytics TeamHere you will find what students actually borrow to attend South Texas Training Center— 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.
At South Texas Training Center, 82% of first-year students take on loan debt, with a typical loan of $6,000 per student, private and federal loans combined.
The typical federal loan comes to $6,000. This is at or above the $5,500 first-year federal borrowing cap that applies to 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 South Texas Training Center, freshmen included, 72% rely on federal student loans toward their education, averaging $7,000 annually. This works out to 16.7% larger than the first-year federal average of $6,000.
At a steady annual pace, that totals around $14,000 in two years and roughly $28,000 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $7,000 |
| Undergraduates with a federal loan | 200 |
| Total federal loans (one year) | $1,400,000 |
The median student at South Texas Training Center borrows $3,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
| Students who completed (graduates) | $3,677 |
| Students who withdrew | $1,643 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at South Texas Training Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,063 |
| 25th percentile | $3,500 |
| 75th percentile | $5,224 |
| 90th percentile (highest-debt students) | $5,832 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at South Texas Training Center.
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 South Texas Training Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 28 | $2,187 |
These figures turn the debt totals into a monthly repayment picture for South Texas Training Center.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for South Texas Training Center is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.5% |
| Borrowers in the cohort | 39 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $3,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at South Texas Training Center.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.