60% of students borrow federal loans, and 61% of borrowers are paying their balance down three years after leaving. The typical repayment is $232 a month. That places Southern Nazarene University 522 of 891 US universities on repayment.
Reasonable: a clear majority are reducing what they owe.
The Department of Education stopped publishing default rates — every institution now reports zero — so the honest measure left is the declining-balance rate: the share of borrowers whose balance is lower three years after they left than the day they started repaying. A borrower can be in good standing and still owe more than they started with, through interest on a paused or income-driven plan; this figure counts only those actually reducing the debt.
Southern Nazarene University sits below the national median of 65%. Repayment tracks two things far more than institutional prestige: how much students borrowed in the first place, and what they earn afterwards. A university with modest earnings but very low borrowing often out-performs a famous one whose graduates leave with large balances.
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Source: US Department of Education College Scorecard — federal loan take-up, Pell share, median debt and the three-year declining-balance repayment rate. Information only, not financial advice.