by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Southern Careers 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.
Looking at the entering class at Southern Careers Institute - Corpus Christi, 73% of incoming students take out a loan to help cover first-year costs, with a typical loan of $6,142 per borrower, covering both private and federal loans.
The average federally funded loan is $6,047. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Southern Careers Institute - Corpus Christi (freshmen included), 64% finance part of their studies with federal loans, with a mean of $5,627 each per year. It comes to 6.9% less than the $6,047 freshmen take on.
Carrying that yearly figure forward comes to roughly $11,254 over two years and about $22,508 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $5,627 |
| Undergraduates with a federal loan | 554 |
| Total federal loans (one year) | $3,117,449 |
Graduating and withdrawing students at Southern Careers Institute - Corpus Christi carry a median federal debt of $7,389 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,389 |
| Students who completed (graduates) | $8,708 |
| Students who withdrew | $4,354 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Southern Careers Institute - Corpus Christi.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Southern Careers Institute - Corpus Christi.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Southern Careers Institute - Corpus Christi.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 681 | $4,604 |
| Completed (graduates) | 513 | $4,845 |
| Did not complete | 168 | $3,207 |
On a standard 10-year plan, the median completing borrower would pay about $57.61/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Southern Careers Institute - Corpus Christi.
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 - Corpus Christi.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Southern Careers Institute - Corpus Christi follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.5% |
| Borrowers in the cohort | 1631 |
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 | $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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Southern Careers Institute - Corpus Christi.
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
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.