by our College Data Analytics TeamThis page focuses on the debt students take on to attend Southern Careers Institute-San Antonio, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Southern Careers Institute - San Antonio (SW Military Drive), 67% of new students use loans toward freshman-year expenses, with a typical loan of $5,240 per student, private and federal loans combined.
The average federally funded loan is $5,240, amounting to 95.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Southern Careers Institute - San Antonio (SW Military Drive) (freshmen included), 60% take out federal student loans, at an average of $4,704 per year. This is 10.2% below the $5,240 typical freshmen borrow.
Borrowing at that rate every year works out to about $9,408 in two years and roughly $18,816 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 | 60% |
| Average federal loan per year | $4,704 |
| Undergraduates with a federal loan | 571 |
| Total federal loans (one year) | $2,685,933 |
The middle borrower at Southern Careers Institute - San Antonio (SW Military Drive) owes $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Southern Careers Institute - San Antonio (SW Military Drive).
| 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 - San Antonio (SW Military Drive).
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Southern Careers Institute - San Antonio (SW Military Drive).
| 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 - San Antonio (SW Military Drive).
Borrowers With Any Stafford Loan
| 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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Southern Careers Institute - San Antonio (SW Military Drive).
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Southern Careers Institute - San Antonio (SW Military Drive) 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
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 |
Dependent vs Independent Borrowers
| 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 - San Antonio (SW Military Drive).
The Difference Between 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.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.