by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Agnes Scott College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Agnes Scott, 58% of incoming undergraduates borrow in year one, with a typical loan of $8,074 per student, private and federal loans combined.
The average federally funded loan is $5,224, equal to roughly 95.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Agnes Scott, 53% borrow through federal student loan programs, for a typical $6,370 in federal loans per year. This is 21.9% larger than the $5,224 borrowed by freshmen.
Repeating that yearly amount projects to about $12,740 in two years and roughly $25,480 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $6,370 |
| Undergraduates with a federal loan | 479 |
| Total federal loans (one year) | $3,051,221 |
The median student at Agnes Scott borrows $17,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,750 |
| Students who completed (graduates) | $26,749 |
| Students who withdrew | $10,375 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Agnes Scott.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $33,000 |
How wide this percentile range is tells you how much borrowing varies across students at Agnes Scott.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Agnes Scott.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 133 | $25,000 |
| Completed (graduates) | 77 | $28,820 |
| Did not complete | 56 | $23,337 |
On a standard 10-year plan, the median completing borrower would pay about $342.7/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Agnes Scott.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Agnes Scott follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 226 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $20,427 |
| High income | $15,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,280 |
| Continuing-generation students | $19,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,000 |
| Independent students | $12,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Agnes Scott.
The Difference Between 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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.