by our College Data Analytics TeamHere you will find what students actually borrow to attend Southwest School of Business and Technical Careers-San Antonio— 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.
Looking at the entering class at Southwest School of Business and Technical Careers-San Antonio, 92% of incoming undergraduates borrow in year one, borrowing on average $2,901 each, across private and federal loan sources.
The average federal loan is $2,901, equal to roughly 52.7% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Southwest School of Business and Technical Careers-San Antonio (freshmen included), 92% rely on federal student loans toward their education, averaging $3,131 in federal loans per year. That is 7.9% larger than the $2,901 typical freshmen borrow.
At a steady annual pace, that totals around $6,262 by year two and around $12,524 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 92% |
| Average federal loan per year | $3,131 |
| Undergraduates with a federal loan | 81 |
| Total federal loans (one year) | $253,602 |
Graduating and withdrawing students at Southwest School of Business and Technical Careers-San Antonio carry a median federal debt of $7,226 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,226 |
| Students who completed (graduates) | $7,273 |
| Students who withdrew | $5,125 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Southwest School of Business and Technical Careers-San Antonio.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,500 |
| 75th percentile | $6,283 |
| 90th percentile (highest-debt students) | $7,048 |
How wide this percentile range is tells you how much borrowing varies across students at Southwest School of Business and Technical Careers-San Antonio.
The indicators below describe what the typical debt costs to pay back at Southwest School of Business and Technical Careers-San Antonio.
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 Southwest School of Business and Technical Careers-San Antonio appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 30.3% |
| Borrowers in the cohort | 468 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,387 |
Subsidized vs. 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.
Worth Knowing
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.