by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The College of Health Care Professions-Austin— 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 CHCP - Austin specifically, 77% of freshmen borrow to help pay for their first year, with a typical loan of $6,447 per student, private and federal loans combined.
On the federal side, the average loan is $6,447. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at CHCP - Austin, 71% use federal student loans to help pay for their education, averaging $7,008 each per year. That is 8.7% greater than the $6,447 freshmen take on.
At a steady annual pace, that totals around $14,016 in two years and roughly $28,032 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $7,008 |
| Undergraduates with a federal loan | 955 |
| Total federal loans (one year) | $6,692,506 |
Graduating and withdrawing students at CHCP - Austin carry a median federal debt of $9,096 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,096 |
| Students who completed (graduates) | $9,120 |
| Students who withdrew | $3,636 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for CHCP - Austin.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,656 |
| 25th percentile | $5,500 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CHCP - Austin.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CHCP - Austin.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 178 | $6,059 |
| Completed (graduates) | 141 | $6,641 |
| Did not complete | 37 | $4,850 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $78.97/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at CHCP - Austin.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 160 | — |
| No Stafford loan this year | 18 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. CHCP - Austin.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for CHCP - Austin is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.9% |
| Borrowers in the cohort | 211 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,097 |
| Middle income | $9,103 |
| High income | $5,689 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,074 |
| Continuing-generation students | $9,104 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,104 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CHCP - Austin.
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.
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.