by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Southside College of Health Sciences, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at all undergraduates at Southside College of Health Sciences, freshmen included, 49% take out federal student loans, averaging $8,276 in federal loans per year.
Borrowing the same amount each year would add up to roughly $16,552 by year two and around $33,104 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $8,276 |
| Undergraduates with a federal loan | 45 |
| Total federal loans (one year) | $372,421 |
The middle borrower at Southside College of Health Sciences owes $12,088 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,088 |
| Students who completed (graduates) | $13,758 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Southside College of Health Sciences.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,448 |
| 25th percentile | $5,003 |
| 75th percentile | $14,959 |
| 90th percentile (highest-debt students) | $17,630 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Southside College of Health Sciences.
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 Southside College of Health Sciences.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $13,678 |
The indicators below describe what the typical debt costs to pay back at Southside College of Health Sciences.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Southside College of Health Sciences is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 66 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,360 |
| Middle income | $13,756 |
| High income | $8,074 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,750 |
| Continuing-generation students | $17,334 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $16,760 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Southside College of Health Sciences.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.