by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Abilene Christian University-Undergraduate Online: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Abilene Christian University-Undergraduate Online specifically, 67% of incoming undergraduates borrow in year one, averaging $7,076 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $7,076. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Abilene Christian University-Undergraduate Online, 80% use federal student loans to help pay for their education, at an average of $7,401 each per year. That is 4.6% greater than the $7,076 freshmen take on.
Repeating that yearly amount projects to about $14,802 in two years and roughly $29,604 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $7,401 |
| Undergraduates with a federal loan | 734 |
| Total federal loans (one year) | $5,432,190 |
The median student at Abilene Christian University-Undergraduate Online borrows $14,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,750 |
| Students who completed (graduates) | $24,250 |
| Students who withdrew | $6,334 |
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 Abilene Christian University-Undergraduate Online.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $34,500 |
How wide this percentile range is tells you how much borrowing varies across students at Abilene Christian University-Undergraduate Online.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Abilene Christian University-Undergraduate Online.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 563 | $23,205 |
| Completed (graduates) | 328 | $26,542 |
| Did not complete | 235 | $20,485 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $315.61/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Abilene Christian University-Undergraduate Online.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 553 | — |
| No Stafford loan | 10 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 521 | $23,522 |
| No Stafford loan this year | 42 | $12,010 |
These figures turn the debt totals into a monthly repayment picture for Abilene Christian University-Undergraduate Online.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Abilene Christian University-Undergraduate Online follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.0% |
| Borrowers in the cohort | 1202 |
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 | $11,000 |
| Middle income | $15,750 |
| High income | $17,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,500 |
| Continuing-generation students | $16,875 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,511 |
| Independent students | $7,077 |
Federal data publishes the following gap measures for Abilene Christian University-Undergraduate Online.
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?
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.