by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Arkansas Baptist College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Arkansas Baptist College, 100% of first-year students take on loan debt, for an average of $4,485 each, across private and federal loan sources.
On the federal side, the average loan is $4,375, representing 79.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Arkansas Baptist College, 81% borrow through federal student loan programs, for a typical $3,410 each per year. This is 22.1% smaller than the freshman federal average of $4,375.
At a steady annual pace, that totals around $6,820 by year two and around $13,640 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $3,410 |
| Undergraduates with a federal loan | 301 |
| Total federal loans (one year) | $1,026,400 |
The median student at Arkansas Baptist College borrows $8,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,250 |
| Students who completed (graduates) | $25,375 |
| Students who withdrew | $8,250 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Arkansas Baptist College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $19,000 |
| 90th percentile (highest-debt students) | $32,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Arkansas Baptist College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Arkansas Baptist College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 74 | $9,058 |
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Arkansas Baptist College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 62 | — |
| No Stafford loan this year | 12 | — |
These figures turn the debt totals into a monthly repayment picture for Arkansas Baptist College.
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 Arkansas Baptist College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 27.4% |
| Borrowers in the cohort | 281 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,250 |
| Middle income | $5,500 |
| High income | $6,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $15,375 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Arkansas Baptist College.
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.
Worth Knowing
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.