by our College Data Analytics TeamHere you will find what students actually borrow to attend St Joseph School of Nursing, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at St Joseph School of Nursing, 0% of incoming undergraduates borrow in year one.
Looking at all undergraduates at St Joseph School of Nursing, freshmen included, 60% borrow through federal student loan programs, for a typical $8,357 annually.
Repeating that yearly amount projects to about $16,714 after two years and $33,428 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $8,357 |
| Undergraduates with a federal loan | 55 |
| Total federal loans (one year) | $459,622 |
Graduating and withdrawing students at St Joseph School of Nursing carry a median federal debt of $14,125 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,125 |
| Students who completed (graduates) | $16,550 |
| Students who withdrew | $9,500 |
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 St Joseph School of Nursing.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,425 |
| 25th percentile | $9,500 |
| 75th percentile | $17,200 |
| 90th percentile (highest-debt students) | $21,000 |
How wide this percentile range is tells you how much borrowing varies across students at St Joseph School of Nursing.
Repayment burden translates the debt figures into what a borrower actually pays each month. St Joseph School of Nursing.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for St Joseph School of Nursing follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 54 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,550 |
| Middle income | $15,000 |
| High income | $12,495 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $16,550 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,697 |
| Independent students | $16,129 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at St Joseph School of Nursing.
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.
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.