by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Southern University Law Center— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
The middle borrower at Southern University Law Center owes $15,455 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,455 |
| Students who completed (graduates) | $29,251 |
| Students who withdrew | $9,500 |
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 University Law Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $6,500 |
| 75th percentile | $31,000 |
| 90th percentile (highest-debt students) | $44,725 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Southern University Law Center.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Southern University Law Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1544 | $12,000 |
| Completed (graduates) | 602 | $16,237 |
| Did not complete | 942 | $10,837 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $193.08/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Southern University Law Center.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1520 | $12,000 |
| No Stafford loan | 24 | $10,231 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1402 | $13,000 |
| No Stafford loan this year | 142 | $6,750 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Southern University Law Center.
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 University Law Center appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.0% |
| Borrowers in the cohort | 2385 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,250 |
| Middle income | $15,000 |
| High income | $16,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,250 |
| Continuing-generation students | $15,875 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $19,719 |
Federal data publishes the following gap measures for Southern University Law Center.
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.