by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Trinity College of Florida— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Trinity College of Florida specifically, 88% of incoming undergraduates borrow in year one, at roughly $4,707 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,135, equal to roughly 75.2% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Trinity College of Florida, 59% borrow through federal student loan programs, averaging $8,492 per year. That is 105.4% higher than the first-year federal average of $4,135.
Carrying that yearly figure forward comes to roughly $16,984 after two years and $33,968 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 59% |
| Average federal loan per year | $8,492 |
| Undergraduates with a federal loan | 111 |
| Total federal loans (one year) | $942,577 |
The median student at Trinity College of Florida borrows $12,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $23,250 |
| Students who withdrew | $8,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Trinity College of Florida.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,680 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $35,200 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Trinity College of Florida.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Trinity College of Florida.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $14,307 |
These figures turn the debt totals into a monthly repayment picture for Trinity College of Florida.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Trinity College of Florida appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 69 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $15,128 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $14,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Trinity College of Florida.
Subsidized and 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?
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.