by our College Data Analytics TeamThis page focuses on the debt students take on to attend Faith International University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Faith, 20% of incoming students take out a loan to help cover first-year costs, with a typical loan of $9,500 each, across private and federal loan sources.
Federal loans alone average $9,500. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Faith, 24% use federal student loans to help pay for their education, borrowing on average $11,667 a year. This works out to 22.8% larger than the $9,500 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $23,334 in two years and roughly $46,668 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 | 24% |
| Average federal loan per year | $11,667 |
| Undergraduates with a federal loan | 47 |
| Total federal loans (one year) | $548,334 |
Graduating and withdrawing students at Faith carry a median federal debt of $12,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $17,650 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Faith.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $6,334 |
| 75th percentile | $21,875 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Faith.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Faith is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 54 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Middle income | $13,750 |
Federal data publishes the following gap measures for Faith.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.