by our College Data Analytics TeamHere you will find what students actually borrow to attend Southern Careers Institute-Harlingen, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Southern Careers Institute - Harlingen, 69% of first-year students take on loan debt, with a typical loan of $5,847 each, across private and federal loan sources.
Federal loans alone average $5,826. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Southern Careers Institute - Harlingen, 61% rely on federal student loans toward their education, at an average of $5,439 in federal loans per year. This works out to 6.6% under the $5,826 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $10,878 across two years and $21,756 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $5,439 |
| Undergraduates with a federal loan | 512 |
| Total federal loans (one year) | $2,784,856 |
The middle borrower at Southern Careers Institute - Harlingen owes $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 - Harlingen.
| 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 - Harlingen.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Southern Careers Institute - Harlingen.
| 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.
Federal data lets us separate Stafford borrowers from the rest at Southern Careers Institute - Harlingen.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 658 | $4,690 |
| No Stafford loan | 23 | $1,143 |
Current-Year Stafford Borrowers
| 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 - Harlingen.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Southern Careers Institute - Harlingen is shown below.
| 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 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,389 |
| Continuing-generation students | $7,319 |
Dependent vs Independent Borrowers
| 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 - Harlingen.
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.
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.