by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Avila 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 Avila, 49% of first-year students take on loan debt, for an average of $7,828 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,780. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Avila, 62% take out federal student loans, with a mean of $6,784 a year. It comes to 0.1% more than the $6,780 freshmen take on.
Carrying that yearly figure forward comes to roughly $13,568 in two years and roughly $27,136 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,784 |
| Undergraduates with a federal loan | 725 |
| Total federal loans (one year) | $4,918,285 |
Graduating and withdrawing students at Avila carry a median federal debt of $19,230 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,230 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $12,000 |
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 Avila.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $7,999 |
| 75th percentile | $29,168 |
| 90th percentile (highest-debt students) | $39,700 |
How wide this percentile range is tells you how much borrowing varies across students at Avila.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Avila.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 263 | $15,435 |
| Completed (graduates) | 136 | $19,309 |
| Did not complete | 127 | $13,000 |
On a standard 10-year plan, the median completing borrower would pay about $229.6/mo.
Federal data lets us separate Stafford borrowers from the rest at Avila.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 236 | $17,118 |
| No Stafford loan this year | 27 | $8,046 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Avila.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Avila follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.5% |
| Borrowers in the cohort | 553 |
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 | $19,000 |
| Middle income | $18,250 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,750 |
| Continuing-generation students | $21,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,500 |
| Independent students | $23,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Avila.
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
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.