by our College Data Analytics TeamBelow is federal data on the loans students use to pay for The College of Health Care Professions-San Antonio, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At CHCP - San Antonio, 78% of incoming undergraduates borrow in year one, averaging $7,254 per borrower, covering both private and federal loans.
On the federal side, the average loan is $7,254. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at CHCP - San Antonio (freshmen included), 68% finance part of their studies with federal loans, borrowing on average $6,805 in federal loans per year. It comes to 6.2% under the $7,254 typical freshmen borrow.
Repeating that yearly amount projects to about $13,610 over two years and about $27,220 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 | 68% |
| Average federal loan per year | $6,805 |
| Undergraduates with a federal loan | 757 |
| Total federal loans (one year) | $5,151,138 |
The middle borrower at CHCP - San Antonio owes $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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for CHCP - San Antonio.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at CHCP - San Antonio.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CHCP - San Antonio.
| 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 - San Antonio.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 967 | $5,702 |
| No Stafford loan | 33 | $1,990 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 917 | $5,701 |
| No Stafford loan this year | 83 | $4,649 |
Repayment burden translates the debt figures into what a borrower actually pays each month. CHCP - San Antonio.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for CHCP - San Antonio appears 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.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,499 |
| Middle income | $9,311 |
| High income | $7,793 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,450 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CHCP - San Antonio.
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.
Important to Remember
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.