by our College Data Analytics TeamHere you will find what students actually borrow to attend Sumner College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Sumner College, 73% of new students use loans toward freshman-year expenses, averaging $14,953 per student, private and federal loans combined.
The average federally funded loan is $10,918. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Among all degree-seeking undergrads at Sumner College, 64% borrow through federal student loan programs, averaging $9,738 in federal loans per year. This is 10.8% lower than the $10,918 borrowed by freshmen.
At a steady annual pace, that totals around $19,476 after two years and $38,952 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 | 64% |
| Average federal loan per year | $9,738 |
| Undergraduates with a federal loan | 503 |
| Total federal loans (one year) | $4,898,380 |
Graduating and withdrawing students at Sumner College carry a median federal debt of $16,129 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,129 |
| Students who completed (graduates) | $16,500 |
| Students who withdrew | $3,167 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Sumner College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $6,334 |
| 25th percentile | $9,834 |
| 75th percentile | $25,271 |
| 90th percentile (highest-debt students) | $31,166 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Sumner College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Sumner College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 40 | $10,254 |
The indicators below describe what the typical debt costs to pay back at Sumner College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Sumner College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.1% |
| Borrowers in the cohort | 165 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,787 |
| Middle income | $16,500 |
| High income | $16,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,481 |
| Continuing-generation students | $15,787 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $16,500 |
Federal data publishes the following gap measures for Sumner College.
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.
Did You Know?
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.