by our College Data Analytics TeamThis page focuses on the debt students take on to attend St Paul’s School of Nursing-Staten Island: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At St Paul’s School of Nursing - Staten Island specifically, 88% of first-year students take on loan debt, borrowing on average $11,082 each, across private and federal loan sources.
The average federal loan is $9,988. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at St Paul’s School of Nursing - Staten Island, 75% finance part of their studies with federal loans, for a typical $10,704 in federal loans per year. This is 7.2% higher than the freshman federal average of $9,988.
At a steady annual pace, that totals around $21,408 over two years and about $42,816 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $10,704 |
| Undergraduates with a federal loan | 504 |
| Total federal loans (one year) | $5,395,064 |
Graduating and withdrawing students at St Paul’s School of Nursing - Staten Island carry a median federal debt of $18,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,500 |
| Students who completed (graduates) | $25,729 |
| Students who withdrew | $9,500 |
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 - Staten Island.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $10,106 |
| 75th percentile | $22,917 |
| 90th percentile (highest-debt students) | $26,438 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at St Paul’s School of Nursing - Staten Island.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at St Paul’s School of Nursing - Staten Island.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 119 | $11,996 |
| Completed (graduates) | 79 | $12,881 |
| Did not complete | 40 | $9,896 |
On a standard 10-year plan, the median completing borrower would pay about $153.17/mo.
These figures turn the debt totals into a monthly repayment picture for St Paul’s School of Nursing - Staten Island.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for St Paul’s School of Nursing - Staten Island appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 93 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $18,022 |
| Middle income | $19,633 |
| High income | $15,998 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,100 |
| Continuing-generation students | $20,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $20,000 |
Federal data publishes the following gap measures for St Paul’s School of Nursing - Staten Island.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.