by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Southeastern College-Charleston, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Southeastern College - Charleston, 87% of first-year students take on loan debt, averaging $13,854 each, across private and federal loan sources.
The average federally funded loan is $8,185. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Southeastern College - Charleston, 83% use federal student loans to help pay for their education, averaging $9,340 annually. That amounts to 14.1% larger than the freshman federal average of $8,185.
Borrowing at that rate every year works out to about $18,680 over two years and about $37,360 across a four-year program. 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 | $9,340 |
| Undergraduates with a federal loan | 193 |
| Total federal loans (one year) | $1,802,626 |
Graduating and withdrawing students at Southeastern College - Charleston carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
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 Southeastern College - Charleston.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $14,973 |
How wide this percentile range is tells you how much borrowing varies across students at Southeastern College - Charleston.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Southeastern College - Charleston.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 68 | $11,238 |
The indicators below describe what the typical debt costs to pay back at Southeastern College - Charleston.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Southeastern College - Charleston is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.0% |
| Borrowers in the cohort | 230 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,559 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Southeastern College - Charleston.
Subsidized vs. 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.
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.