by our College Data Analytics TeamThis page focuses on the debt students take on to attend St Paul’s School of Nursing-Queens— 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.
At St Paul’s School of Nursing - Queens specifically, 88% of freshmen borrow to help pay for their first year, for an average of $8,711 per student, private and federal loans combined.
The typical federal loan comes to $8,711. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at St Paul’s School of Nursing - Queens (freshmen included), 77% borrow through federal student loan programs, at an average of $11,007 per year. That is 26.4% higher than the freshman federal average of $8,711.
Borrowing at that rate every year works out to about $22,014 across two years and $44,028 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 77% |
| Average federal loan per year | $11,007 |
| Undergraduates with a federal loan | 736 |
| Total federal loans (one year) | $8,101,003 |
The middle borrower at St Paul’s School of Nursing - Queens owes $20,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,000 |
| Students who completed (graduates) | $25,730 |
| Students who withdrew | $9,255 |
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 St Paul’s School of Nursing - Queens.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,129 |
| 25th percentile | $11,090 |
| 75th percentile | $24,813 |
| 90th percentile (highest-debt students) | $27,438 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at St Paul’s School of Nursing - Queens.
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 St Paul’s School of Nursing - Queens.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 119 | $13,177 |
| Completed (graduates) | 77 | $17,318 |
| Did not complete | 42 | $9,787 |
On a standard 10-year plan, the median completing borrower would pay about $205.93/mo.
The indicators below describe what the typical debt costs to pay back at St Paul’s School of Nursing - Queens.
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 Paul’s School of Nursing - Queens appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.1% |
| Borrowers in the cohort | 84 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,000 |
| Middle income | $20,000 |
| High income | $22,407 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $25,698 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $25,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at St Paul’s School of Nursing - Queens.
Subsidized vs. 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.
Did You Know?
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.