by our College Data Analytics TeamThis page focuses on the debt students take on to attend Trinity Baptist College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Trinity Baptist College, 92% of incoming students take out a loan to help cover first-year costs, borrowing on average $6,603 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,913. 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 Trinity Baptist College, 92% take out federal student loans, borrowing on average $7,633 each per year. It comes to 29.1% greater than the $5,913 borrowed by freshmen.
Repeating that yearly amount projects to about $15,266 after two years and $30,532 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 92% |
| Average federal loan per year | $7,633 |
| Undergraduates with a federal loan | 327 |
| Total federal loans (one year) | $2,496,033 |
The median student at Trinity Baptist College borrows $11,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,500 |
| Students who completed (graduates) | $24,250 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Trinity Baptist College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $18,250 |
| 90th percentile (highest-debt students) | $28,330 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Trinity Baptist College.
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 Trinity Baptist College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 56 | $12,513 |
| Completed (graduates) | 19 | $11,680 |
| Did not complete | 37 | $12,676 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $138.89/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Trinity Baptist College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Trinity Baptist College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.2% |
| Borrowers in the cohort | 95 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $11,875 |
| Middle income | $12,500 |
| High income | $8,846 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,500 |
| Continuing-generation students | $9,001 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,911 |
| Independent students | $12,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Trinity Baptist College.
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.
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.