by our College Data Analytics TeamThis page focuses on the debt students take on to attend Point University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Point specifically, 19% of freshmen borrow to help pay for their first year, borrowing on average $8,506 each, across private and federal loan sources.
Federal loans alone average $7,877. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Point, 14% take out federal student loans, for a typical $8,309 in federal loans per year. This works out to 5.5% above the first-year federal average of $7,877.
Borrowing the same amount each year would add up to roughly $16,618 after two years and $33,236 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $8,309 |
| Undergraduates with a federal loan | 323 |
| Total federal loans (one year) | $2,683,709 |
The middle borrower at Point owes $14,502 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,502 |
| Students who completed (graduates) | $25,250 |
| Students who withdrew | $8,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Point.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $43,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Point.
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 Point.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 190 | $14,267 |
| Completed (graduates) | 84 | $17,500 |
| Did not complete | 106 | $12,865 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $208.09/mo.
Federal data lets us separate Stafford borrowers from the rest at Point.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 178 | — |
| No Stafford loan this year | 12 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Point.
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 Point appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 186 |
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 | $14,250 |
| Middle income | $15,125 |
| High income | $14,535 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,250 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,500 |
| Independent students | $17,499 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Point.
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.
Did You Know?
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.