by our College Data Analytics TeamThis page focuses on the debt students take on to attend Concordia University Texas— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Concordia University, Texas, 65% of incoming undergraduates borrow in year one, at roughly $6,168 per student, private and federal loans combined.
The typical federal loan comes to $5,555. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. 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 Concordia University, Texas, 50% borrow through federal student loan programs, for a typical $7,919 a year. That amounts to 42.6% greater than the $5,555 freshmen take on.
Borrowing the same amount each year would add up to roughly $15,838 across two years and $31,676 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $7,919 |
| Undergraduates with a federal loan | 694 |
| Total federal loans (one year) | $5,495,483 |
Graduating and withdrawing students at Concordia University, Texas carry a median federal debt of $15,134 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,134 |
| Students who completed (graduates) | $21,852 |
| Students who withdrew | $9,075 |
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 Concordia University, Texas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $39,640 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Concordia University, Texas.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Concordia University, Texas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 495 | $20,047 |
| Completed (graduates) | 279 | $25,137 |
| Did not complete | 216 | $17,276 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $298.91/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Concordia University, Texas.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 441 | $20,961 |
| No Stafford loan this year | 54 | $16,889 |
The indicators below describe what the typical debt costs to pay back at Concordia University, Texas.
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 Concordia University, Texas is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 790 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,750 |
| Middle income | $14,292 |
| High income | $15,875 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,244 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,000 |
| Independent students | $18,302 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Concordia University, Texas.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.