by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Touro University Worldwide, 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 TUW, 47% of incoming students take out a loan to help cover first-year costs, borrowing on average $6,188 per student, private and federal loans combined.
The average federally funded loan is $6,188. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Looking at all undergraduates at TUW, freshmen included, 51% take out federal student loans, averaging $8,888 annually. That is 43.6% above the $6,188 freshmen take on.
Borrowing at that rate every year works out to about $17,776 by year two and around $35,552 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 | 51% |
| Average federal loan per year | $8,888 |
| Undergraduates with a federal loan | 214 |
| Total federal loans (one year) | $1,901,996 |
Graduating and withdrawing students at TUW carry a median federal debt of $14,437 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,437 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $9,460 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for TUW.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,500 |
| 75th percentile | $16,700 |
| 90th percentile (highest-debt students) | $26,000 |
How wide this percentile range is tells you how much borrowing varies across students at TUW.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at TUW.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 184 | $16,090 |
| Completed (graduates) | 107 | $17,600 |
| Did not complete | 77 | $13,006 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $209.28/mo.
Federal data lets us separate Stafford borrowers from the rest at TUW.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 139 | $16,180 |
| No Stafford loan this year | 45 | $14,324 |
The indicators below describe what the typical debt costs to pay back at TUW.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for TUW follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 0 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,250 |
| Middle income | $14,437 |
| High income | $14,582 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,818 |
| Continuing-generation students | $13,218 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,084 |
| Independent students | $15,792 |
Federal data publishes the following gap measures for TUW.
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.