by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Southern California Health Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at SOCHI, 99% of freshmen borrow to help pay for their first year, with a typical loan of $3,740 each — a figure that counts both private and federal student loans.
The average federal loan is $3,593, or about 65.3% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at SOCHI, 91% rely on federal student loans toward their education, with a mean of $3,780 in federal loans per year. This works out to 5.2% higher than the $3,593 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $7,560 after two years and $15,120 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 91% |
| Average federal loan per year | $3,780 |
| Undergraduates with a federal loan | 295 |
| Total federal loans (one year) | $1,115,045 |
The median student at SOCHI borrows $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 SOCHI.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,125 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at SOCHI.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for SOCHI.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 67 | $5,368 |
Repayment burden translates the debt figures into what a borrower actually pays each month. SOCHI.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| 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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at SOCHI.
Subsidized and 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.
Did You Know?
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.