by our College Data Analytics TeamHere you will find what students actually borrow to attend Moler Barber College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Moler Barber College, 89% of freshmen borrow to help pay for their first year, for an average of $7,776 per borrower, covering both private and federal loans.
On the federal side, the average loan is $7,776. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Moler Barber College (freshmen included), 63% take out federal student loans, at an average of $6,849 annually. It comes to 11.9% lower than the first-year federal average of $7,776.
Carrying that yearly figure forward comes to roughly $13,698 by year two and around $27,396 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $6,849 |
| Undergraduates with a federal loan | 378 |
| Total federal loans (one year) | $2,588,773 |
The median student at Moler Barber College borrows $8,374 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,374 |
| Students who completed (graduates) | $10,556 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Moler Barber College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $9,833 |
| 90th percentile (highest-debt students) | $12,800 |
How wide this percentile range is tells you how much borrowing varies across students at Moler Barber College.
Repayment burden translates the debt figures into what a borrower actually pays each month. Moler Barber College.
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 Moler Barber College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,253 |
| Middle income | $9,250 |
| High income | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,317 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Moler Barber College.
The Difference Between Subsidized and 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
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.