by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Assumption University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Assumption, 89% of incoming students take out a loan to help cover first-year costs, with a typical loan of $9,479 each, across private and federal loan sources.
Federal loans alone average $5,463, which is 99.3% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Assumption, 85% borrow through federal student loan programs, for a typical $6,589 each per year. That is 20.6% more than the $5,463 typical freshmen borrow.
At a steady annual pace, that totals around $13,178 over two years and about $26,356 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 85% |
| Average federal loan per year | $6,589 |
| Undergraduates with a federal loan | 1,412 |
| Total federal loans (one year) | $9,303,153 |
The median student at Assumption borrows $24,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,250 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $7,625 |
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 Assumption.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $11,766 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $35,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Assumption.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Assumption.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 279 | $30,946 |
| Completed (graduates) | 169 | $45,926 |
| Did not complete | 110 | $22,122 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $546.11/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Assumption.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 260 | $32,000 |
| No Stafford loan this year | 19 | $25,404 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Assumption.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Assumption follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.6% |
| Borrowers in the cohort | 676 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $21,417 |
| Middle income | $24,250 |
| High income | $25,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,816 |
| Continuing-generation students | $23,251 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $25,725 |
| Independent students | $16,583 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Assumption.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.