by our College Data Analytics TeamBelow is federal data on the loans students use to pay for King’s College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at King’s College PA, 84% of first-year students take on loan debt, borrowing on average $8,787 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,482, equal to roughly 99.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at King’s College PA, freshmen included, 75% borrow through federal student loan programs, with a mean of $6,592 in federal loans per year. It comes to 20.2% more than the $5,482 freshmen take on.
Borrowing at that rate every year works out to about $13,184 by year two and around $26,368 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 | 75% |
| Average federal loan per year | $6,592 |
| Undergraduates with a federal loan | 1,184 |
| Total federal loans (one year) | $7,805,370 |
The median student at King’s College PA borrows $22,847 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $22,847 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $8,245 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for King’s College PA.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $8,250 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $32,979 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at King’s College PA.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at King’s College PA.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 399 | $25,000 |
| Completed (graduates) | 225 | $35,000 |
| Did not complete | 174 | $18,138 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $416.19/mo.
Federal data lets us separate Stafford borrowers from the rest at King’s College PA.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 368 | $25,517 |
| No Stafford loan this year | 31 | $17,820 |
Repayment burden translates the debt figures into what a borrower actually pays each month. King’s College PA.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for King’s College PA appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.8% |
| Borrowers in the cohort | 682 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $19,811 |
| Middle income | $19,313 |
| High income | $24,272 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $21,250 |
| Continuing-generation students | $25,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $22,647 |
| Independent students | $23,453 |
Federal data publishes the following gap measures for King’s College PA.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.