by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Trinity Law School, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
The middle borrower at Trinity Law School owes $19,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,500 |
| Students who completed (graduates) | $26,082 |
| Students who withdrew | $12,070 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Trinity Law School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $7,000 |
| 75th percentile | $29,500 |
| 90th percentile (highest-debt students) | $43,397 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Trinity Law School.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Trinity Law School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 222 | $16,397 |
| Completed (graduates) | 107 | $19,098 |
| Did not complete | 115 | $13,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $227.1/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Trinity Law School.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 162 | $18,451 |
| No Stafford loan this year | 60 | $10,043 |
These figures turn the debt totals into a monthly repayment picture for Trinity Law School.
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 Law School appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.7% |
| Borrowers in the cohort | 732 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $19,554 |
| Middle income | $19,343 |
| High income | $19,375 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,430 |
| Continuing-generation students | $17,748 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $28,734 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Trinity Law School.
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.
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.