by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kuyper 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.
Among first-year students at Kuyper, 63% of new students use loans toward freshman-year expenses, averaging $7,855 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,988. That is at or past the $5,500 federal first-year limit for 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.
Looking at all undergraduates at Kuyper, freshmen included, 61% borrow through federal student loan programs, borrowing on average $6,872 each per year. This works out to 1.7% lower than the freshman federal average of $6,988.
Borrowing the same amount each year would add up to roughly $13,744 after two years and $27,488 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 | 61% |
| Average federal loan per year | $6,872 |
| Undergraduates with a federal loan | 72 |
| Total federal loans (one year) | $494,801 |
The median student at Kuyper borrows $16,304 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,304 |
| Students who completed (graduates) | $21,389 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Kuyper.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $6,750 |
| 75th percentile | $25,823 |
| 90th percentile (highest-debt students) | $37,750 |
How wide this percentile range is tells you how much borrowing varies across students at Kuyper.
The indicators below describe what the typical debt costs to pay back at Kuyper.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Kuyper follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.3% |
| Borrowers in the cohort | 75 |
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 |
|---|---|
| Low income | $14,250 |
| Middle income | $17,250 |
| High income | $20,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,099 |
| Continuing-generation students | $15,061 |
Federal data publishes the following gap measures for Kuyper.
Subsidized vs. 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.
Important to Remember
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.