by our College Data Analytics TeamBelow is federal data on the loans students use to pay for South Texas Vocational Technical Institute-Corpus Christi— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At South Texas Vocational Technical Institute-Corpus Christi specifically, 85% of first-year students take on loan debt, with a typical loan of $7,258 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $7,258. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at South Texas Vocational Technical Institute-Corpus Christi, freshmen included, 85% finance part of their studies with federal loans, averaging $7,156 each per year. It comes to 1.4% below the freshman federal average of $7,258.
At a steady annual pace, that totals around $14,312 in two years and roughly $28,624 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 85% |
| Average federal loan per year | $7,156 |
| Undergraduates with a federal loan | 558 |
| Total federal loans (one year) | $3,993,070 |
The median student at South Texas Vocational Technical Institute-Corpus Christi borrows $10,661 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,661 |
| Students who completed (graduates) | $15,917 |
| Students who withdrew | $6,334 |
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 South Texas Vocational Technical Institute-Corpus Christi.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,530 |
| 25th percentile | $6,333 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $16,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at South Texas Vocational Technical Institute-Corpus Christi.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at South Texas Vocational Technical Institute-Corpus Christi.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1418 | $5,198 |
| Completed (graduates) | 847 | $6,007 |
| Did not complete | 571 | $4,120 |
On a standard 10-year plan, the median completing borrower would pay about $71.43/mo.
Federal data lets us separate Stafford borrowers from the rest at South Texas Vocational Technical Institute-Corpus Christi.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1404 | — |
| No Stafford loan | 14 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1271 | $5,093 |
| No Stafford loan this year | 147 | $6,500 |
These figures turn the debt totals into a monthly repayment picture for South Texas Vocational Technical Institute-Corpus Christi.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for South Texas Vocational Technical Institute-Corpus Christi follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 1420 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $10,657 |
| Middle income | $11,457 |
| High income | $9,111 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,587 |
| Continuing-generation students | $12,139 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $11,943 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at South Texas Vocational Technical Institute-Corpus Christi.
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
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.