by our College Data Analytics TeamHere you will find what students actually borrow to attend Arkansas State University-Beebe— 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.
At ASU-Beebe specifically, 22% of incoming students take out a loan to help cover first-year costs, for an average of $5,198 per student, private and federal loans combined.
On the federal side, the average loan is $5,225, which is 95.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at ASU-Beebe, 27% finance part of their studies with federal loans, averaging $6,765 per year. That is 29.5% above the $5,225 borrowed by freshmen.
At a steady annual pace, that totals around $13,530 over two years and about $27,060 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 27% |
| Average federal loan per year | $6,765 |
| Undergraduates with a federal loan | 515 |
| Total federal loans (one year) | $3,483,871 |
The median student at ASU-Beebe borrows $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,093 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at ASU-Beebe.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,250 |
| 75th percentile | $7,972 |
| 90th percentile (highest-debt students) | $12,750 |
How wide this percentile range is tells you how much borrowing varies across students at ASU-Beebe.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for ASU-Beebe.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 159 | $9,650 |
| Completed (graduates) | 29 | $9,270 |
| Did not complete | 130 | $9,913 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $110.23/mo.
Federal data lets us separate Stafford borrowers from the rest at ASU-Beebe.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 39 | $8,420 |
| No Stafford loan this year | 120 | $11,476 |
Repayment burden translates the debt figures into what a borrower actually pays each month. ASU-Beebe.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for ASU-Beebe follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.7% |
| Borrowers in the cohort | 666 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $6,188 |
| Middle income | $5,949 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,875 |
Federal data publishes the following gap measures for ASU-Beebe.
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.
Did You Know?
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.