by our College Data Analytics TeamHere you will find what students actually borrow to attend St. John’s College-Department of Nursing, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among all degree-seeking undergrads at St. John’s, 76% borrow through federal student loan programs, borrowing on average $10,046 each per year.
Repeating that yearly amount projects to about $20,092 across two years and $40,184 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $10,046 |
| Undergraduates with a federal loan | 58 |
| Total federal loans (one year) | $582,642 |
The middle borrower at St. John’s owes $15,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $18,750 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at St. John’s.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $7,500 |
| 25th percentile | $15,000 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $25,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at St. John’s.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at St. John’s.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 19 | $14,000 |
The indicators below describe what the typical debt costs to pay back at St. John’s.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for St. John’s is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 32 |
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 | $25,000 |
| Middle income | $15,000 |
| High income | $15,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $25,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at St. John’s.
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
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.