by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Bastyr University— 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.
Looking at all undergraduates at Bastyr University, freshmen included, 18% borrow through federal student loan programs, for a typical $11,160 annually.
Borrowing at that rate every year works out to about $22,320 over two years and about $44,640 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 | 18% |
| Average federal loan per year | $11,160 |
| Undergraduates with a federal loan | 10 |
| Total federal loans (one year) | $111,600 |
The median student at Bastyr University borrows $12,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $13,817 |
| Students who withdrew | $8,334 |
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 Bastyr University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,105 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $30,499 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Bastyr University.
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 Bastyr University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 94 | $22,314 |
| Completed (graduates) | 73 | $31,482 |
| Did not complete | 21 | $12,523 |
On a standard 10-year plan, the median completing borrower would pay about $374.35/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Bastyr University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 84 | — |
| No Stafford loan this year | 10 | — |
The indicators below describe what the typical debt costs to pay back at Bastyr University.
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 Bastyr University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.1% |
| Borrowers in the cohort | 270 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $12,500 |
| High income | $11,853 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $12,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $12,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Bastyr University.
Subsidized and 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.
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.