by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Universidad del Sagrado Corazon, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Sagrado, 11% of new students use loans toward freshman-year expenses, for an average of $4,552 per student, private and federal loans combined.
On the federal side, the average loan is $4,352, representing 79.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Sagrado, 22% use federal student loans to help pay for their education, with a mean of $5,748 each per year. It comes to 32.1% larger than the $4,352 borrowed by freshmen.
Repeating that yearly amount projects to about $11,496 after two years and $22,992 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 22% |
| Average federal loan per year | $5,748 |
| Undergraduates with a federal loan | 872 |
| Total federal loans (one year) | $5,012,619 |
The middle borrower at Sagrado owes $11,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,250 |
| Students who completed (graduates) | $16,250 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Sagrado.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $4,270 |
| 75th percentile | $18,500 |
| 90th percentile (highest-debt students) | $24,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Sagrado.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Sagrado.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 98 | $22,166 |
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 Sagrado.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 86 | — |
| No Stafford loan | 12 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 22 | $6,879 |
| No Stafford loan this year | 76 | $28,150 |
These figures turn the debt totals into a monthly repayment picture for Sagrado.
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 Sagrado is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 1207 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $11,250 |
| Middle income | $11,675 |
| High income | $9,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,392 |
| Continuing-generation students | $9,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,250 |
| Independent students | $21,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Sagrado.
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.