by our College Data Analytics TeamThis page focuses on the debt students take on to attend Stewart School, 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 Stewart School, 59% of freshmen borrow to help pay for their first year, averaging $6,375 each, across private and federal loan sources.
The average federal loan is $6,375. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Stewart School, 44% rely on federal student loans toward their education, averaging $5,557 annually. It comes to 12.8% below the $6,375 typical freshmen borrow.
Borrowing at that rate every year works out to about $11,114 after two years and $22,228 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $5,557 |
| Undergraduates with a federal loan | 96 |
| Total federal loans (one year) | $533,487 |
The median student at Stewart School borrows $6,168 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,168 |
| Students who completed (graduates) | $6,864 |
| Students who withdrew | $4,510 |
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 Stewart School.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,130 |
| 25th percentile | $3,642 |
| 75th percentile | $8,962 |
| 90th percentile (highest-debt students) | $11,332 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Stewart School.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Stewart School.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 27 | $3,887 |
These figures turn the debt totals into a monthly repayment picture for Stewart School.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Stewart School follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.2% |
| Borrowers in the cohort | 83 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,147 |
| Middle income | $5,355 |
| High income | $10,274 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,507 |
| Continuing-generation students | $7,079 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,864 |
| Independent students | $5,823 |
Federal data publishes the following gap measures for Stewart School.
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.