by our College Data Analytics TeamHere you will find what students actually borrow to attend The Christ College of Nursing and Health Sciences— 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 The Christ College, 64% of new students use loans toward freshman-year expenses, for an average of $8,209 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $7,274. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at The Christ College, 61% use federal student loans to help pay for their education, for a typical $7,737 in federal loans per year. It comes to 6.4% greater than the $7,274 freshmen take on.
Borrowing at that rate every year works out to about $15,474 after two years and $30,948 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $7,737 |
| Undergraduates with a federal loan | 466 |
| Total federal loans (one year) | $3,605,509 |
The median student at The Christ College borrows $19,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,500 |
| Students who completed (graduates) | $24,250 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at The Christ College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,250 |
| 75th percentile | $25,441 |
| 90th percentile (highest-debt students) | $32,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at The Christ College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for The Christ College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 152 | $16,750 |
| Completed (graduates) | 112 | $18,623 |
| Did not complete | 40 | $13,051 |
On a standard 10-year plan, the median completing borrower would pay about $221.45/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at The Christ College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 135 | — |
| No Stafford loan this year | 17 | — |
These figures turn the debt totals into a monthly repayment picture for The Christ College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for The Christ College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 21 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $18,491 |
| Middle income | $20,168 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,500 |
| Continuing-generation students | $19,918 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,500 |
| Independent students | $20,372 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at The Christ College.
The Difference Between 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.
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.