by our College Data Analytics TeamThis page focuses on the debt students take on to attend Angelo State University, 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 Angelo State, 45% of incoming undergraduates borrow in year one, for an average of $6,899 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,165, or about 93.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Angelo State, freshmen included, 41% take out federal student loans, with a mean of $6,050 per year. This works out to 17.1% more than the freshman federal average of $5,165.
Carrying that yearly figure forward comes to roughly $12,100 across two years and $24,200 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $6,050 |
| Undergraduates with a federal loan | 2,251 |
| Total federal loans (one year) | $13,619,065 |
The middle borrower at Angelo State owes $12,394 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,394 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $7,874 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Angelo State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,064 |
| 75th percentile | $22,348 |
| 90th percentile (highest-debt students) | $31,042 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Angelo State.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Angelo State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1159 | $10,875 |
| Completed (graduates) | 536 | $15,000 |
| Did not complete | 623 | $10,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $178.37/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Angelo State.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1110 | $11,023 |
| No Stafford loan | 49 | $8,110 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1018 | $10,526 |
| No Stafford loan this year | 141 | $11,500 |
These figures turn the debt totals into a monthly repayment picture for Angelo State.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Angelo State appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.4% |
| Borrowers in the cohort | 1478 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,432 |
| Middle income | $12,250 |
| High income | $12,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,443 |
| Continuing-generation students | $12,265 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $15,509 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Angelo State.
Subsidized vs. 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.
Worth Knowing
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.