by our College Data Analytics TeamThis page focuses on the debt students take on to attend Southern Careers Institute-San Antonio: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Southern Careers Institute - San Antonio (NW Loop) specifically, 58% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,768 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $5,717. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Southern Careers Institute - San Antonio (NW Loop), freshmen included, 51% borrow through federal student loan programs, for a typical $5,332 in federal loans per year. This is 6.7% under the $5,717 freshmen take on.
Borrowing at that rate every year works out to about $10,664 after two years and $21,328 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 51% |
| Average federal loan per year | $5,332 |
| Undergraduates with a federal loan | 838 |
| Total federal loans (one year) | $4,468,512 |
Graduating and withdrawing students at Southern Careers Institute - San Antonio (NW Loop) carry a median federal debt of $7,389 in federal student loans.
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Southern Careers Institute - San Antonio (NW Loop).
| 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 - San Antonio (NW Loop).
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Southern Careers Institute - San Antonio (NW Loop).
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 681 | $4,604 |
| Completed (graduates) | 513 | $4,845 |
| Did not complete | 168 | $3,207 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $57.61/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Southern Careers Institute - San Antonio (NW Loop).
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 658 | $4,690 |
| No Stafford loan | 23 | $1,143 |
Borrowers With a Stafford Loan This Year
| 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 - San Antonio (NW Loop).
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 - San Antonio (NW Loop) appears 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.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,125 |
| Independent students | $7,917 |
Federal data publishes the following gap measures for Southern Careers Institute - San Antonio (NW Loop).
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.
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.