by our College Data Analytics TeamHere you will find what students actually borrow to attend Southern Careers Institute-Brownsville: 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.
At Southern Careers Institute - Brownsville specifically, 75% of first-year students take on loan debt, with a typical loan of $6,249 each — a figure that counts both private and federal student loans.
The average federal loan is $6,238. That is at or past the $5,500 federal first-year limit for 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.
Counting every undergraduate at Southern Careers Institute - Brownsville, 69% borrow through federal student loan programs, for a typical $5,606 in federal loans per year. That amounts to 10.1% less than the freshman federal average of $6,238.
Borrowing at that rate every year works out to about $11,212 by year two and around $22,424 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 69% |
| Average federal loan per year | $5,606 |
| Undergraduates with a federal loan | 743 |
| Total federal loans (one year) | $4,164,936 |
Graduating and withdrawing students at Southern Careers Institute - Brownsville carry a median federal debt of $7,389 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,389 |
| Students who completed (graduates) | $8,708 |
| Students who withdrew | $4,354 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Southern Careers Institute - Brownsville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,687 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Southern Careers Institute - Brownsville.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Southern Careers Institute - Brownsville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 681 | $4,604 |
| Completed (graduates) | 513 | $4,845 |
| Did not complete | 168 | $3,207 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $57.61/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Southern Careers Institute - Brownsville.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 658 | $4,690 |
| No Stafford loan | 23 | $1,143 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 619 | $4,680 |
| No Stafford loan this year | 62 | $3,198 |
The indicators below describe what the typical debt costs to pay back at Southern Careers Institute - Brownsville.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Southern Careers Institute - Brownsville follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.5% |
| Borrowers in the cohort | 1631 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,421 |
| Middle income | $7,125 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,389 |
| Continuing-generation students | $7,319 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,125 |
| Independent students | $7,917 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Southern Careers Institute - Brownsville.
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.