by our College Data Analytics TeamBelow is federal data on the loans students use to pay for UCAS University of Cosemtology Arts & Sciences-McAllen, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At UCAS University of Cosemtology Arts & Sciences-McAllen specifically, 50% of new students use loans toward freshman-year expenses, for an average of $5,346 each — a figure that counts both private and federal student loans.
The average federally funded loan is $5,346, amounting to 97.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at UCAS University of Cosemtology Arts & Sciences-McAllen (freshmen included), 37% finance part of their studies with federal loans, for a typical $6,000 per year. This is 12.2% more than the $5,346 freshmen take on.
Repeating that yearly amount projects to about $12,000 in two years and roughly $24,000 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $6,000 |
| Undergraduates with a federal loan | 83 |
| Total federal loans (one year) | $498,001 |
The median student at UCAS University of Cosemtology Arts & Sciences-McAllen borrows $6,083 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,083 |
| Students who completed (graduates) | $6,447 |
| Students who withdrew | $3,959 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 UCAS University of Cosemtology Arts & Sciences-McAllen.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $6,833 |
| 90th percentile (highest-debt students) | $9,672 |
How wide this percentile range is tells you how much borrowing varies across students at UCAS University of Cosemtology Arts & Sciences-McAllen.
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 UCAS University of Cosemtology Arts & Sciences-McAllen.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 88 | $2,880 |
| Completed (graduates) | 67 | $3,000 |
| Did not complete | 21 | $2,184 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $35.67/mo.
These figures turn the debt totals into a monthly repayment picture for UCAS University of Cosemtology Arts & Sciences-McAllen.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for UCAS University of Cosemtology Arts & Sciences-McAllen is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.6% |
| Borrowers in the cohort | 490 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,163 |
| Middle income | $5,533 |
| High income | $4,865 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,122 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UCAS University of Cosemtology Arts & Sciences-McAllen.
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.
Did You Know?
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.