by our College Data Analytics TeamThis page focuses on the debt students take on to attend Trocaire College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Trocaire, 73% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,580 per borrower, covering both private and federal loans.
The average federal loan is $5,487, which is 99.8% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Trocaire, 81% finance part of their studies with federal loans, at an average of $6,861 each per year. This works out to 25.0% larger than the $5,487 borrowed by freshmen.
Borrowing at that rate every year works out to about $13,722 over two years and about $27,444 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 | 81% |
| Average federal loan per year | $6,861 |
| Undergraduates with a federal loan | 783 |
| Total federal loans (one year) | $5,372,529 |
Graduating and withdrawing students at Trocaire carry a median federal debt of $16,617 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,617 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $15,750 |
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 Trocaire.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,987 |
| 75th percentile | $25,711 |
| 90th percentile (highest-debt students) | $34,750 |
How wide this percentile range is tells you how much borrowing varies across students at Trocaire.
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 Trocaire.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 183 | $13,265 |
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 Trocaire.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 166 | — |
| No Stafford loan this year | 17 | — |
These figures turn the debt totals into a monthly repayment picture for Trocaire.
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 Trocaire appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 594 |
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 | $18,522 |
| Middle income | $16,248 |
| High income | $14,344 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,651 |
| Continuing-generation students | $16,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,437 |
| Independent students | $19,017 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Trocaire.
The Difference Between 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.