by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Trinity Bible College and Graduate School— 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 Trinity, 63% of new students use loans toward freshman-year expenses, borrowing on average $7,957 per student, private and federal loans combined.
The typical federal loan comes to $5,273, equal to roughly 95.9% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Trinity, freshmen included, 66% borrow through federal student loan programs, for a typical $6,355 in federal loans per year. This is 20.5% larger than the $5,273 freshmen take on.
Repeating that yearly amount projects to about $12,710 over two years and about $25,420 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $6,355 |
| Undergraduates with a federal loan | 91 |
| Total federal loans (one year) | $578,321 |
The middle borrower at Trinity owes $16,043 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,043 |
| Students who completed (graduates) | $22,531 |
| Students who withdrew | $8,250 |
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 Trinity.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,298 |
| 25th percentile | $5,500 |
| 75th percentile | $25,731 |
| 90th percentile (highest-debt students) | $39,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Trinity.
The indicators below describe what the typical debt costs to pay back at Trinity.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Trinity appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 124 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,031 |
| Middle income | $16,750 |
| High income | $16,447 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,474 |
| Continuing-generation students | $15,250 |
Federal data publishes the following gap measures for Trinity.
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.
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.