by our College Data Analytics TeamHere you will find what students actually borrow to attend The College of Health Care Professions-McAllen Campus, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At CHCP - McAllen Campus specifically, 91% of incoming undergraduates borrow in year one, for an average of $6,635 each, across private and federal loan sources.
On the federal side, the average loan is $6,635. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Looking at all undergraduates at CHCP - McAllen Campus, freshmen included, 80% borrow through federal student loan programs, at an average of $6,104 a year. That amounts to 8.0% below the $6,635 borrowed by freshmen.
Borrowing at that rate every year works out to about $12,208 in two years and roughly $24,416 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $6,104 |
| Undergraduates with a federal loan | 942 |
| Total federal loans (one year) | $5,750,089 |
The median student at CHCP - McAllen Campus borrows $9,473 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,473 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,005 |
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 CHCP - McAllen Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,926 |
| 25th percentile | $5,500 |
| 75th percentile | $14,695 |
| 90th percentile (highest-debt students) | $20,867 |
How wide this percentile range is tells you how much borrowing varies across students at CHCP - McAllen Campus.
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 CHCP - McAllen Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1000 | $5,651 |
| Completed (graduates) | 775 | $5,859 |
| Did not complete | 225 | $4,705 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $69.67/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 - McAllen Campus.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 967 | $5,702 |
| No Stafford loan | 33 | $1,990 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 917 | $5,701 |
| No Stafford loan this year | 83 | $4,649 |
The indicators below describe what the typical debt costs to pay back at CHCP - McAllen Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for CHCP - McAllen Campus is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.9% |
| Borrowers in the cohort | 932 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,499 |
| Middle income | $9,311 |
| High income | $7,793 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,450 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CHCP - McAllen Campus.
Subsidized vs. 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.