by our College Data Analytics TeamHere you will find what students actually borrow to attend Baldwin Wallace University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Baldwin Wallace College, 96% of incoming undergraduates borrow in year one, averaging $8,460 each, across private and federal loan sources.
On the federal side, the average loan is $5,604. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Baldwin Wallace College, 83% borrow through federal student loan programs, at an average of $6,766 each per year. This works out to 20.7% larger than the $5,604 freshmen take on.
Carrying that yearly figure forward comes to roughly $13,532 across two years and $27,064 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 83% |
| Average federal loan per year | $6,766 |
| Undergraduates with a federal loan | 2,305 |
| Total federal loans (one year) | $15,595,691 |
The middle borrower at Baldwin Wallace College owes $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 | $11,000 |
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 Baldwin Wallace College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $29,000 |
| 90th percentile (highest-debt students) | $39,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Baldwin Wallace College.
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 Baldwin Wallace College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 702 | $26,602 |
| Completed (graduates) | 506 | $31,484 |
| Did not complete | 196 | $18,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $374.38/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Baldwin Wallace College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 682 | $26,602 |
| No Stafford loan | 20 | $27,935 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 640 | $26,979 |
| No Stafford loan this year | 62 | $23,775 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Baldwin Wallace College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Baldwin Wallace College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.0% |
| Borrowers in the cohort | 1076 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $25,000 |
| Middle income | $25,000 |
| High income | $23,195 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,138 |
| Continuing-generation students | $24,825 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $23,250 |
| Independent students | $25,000 |
Federal data publishes the following gap measures for Baldwin Wallace College.
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.