by our College Data Analytics TeamHere you will find what students actually borrow to attend Bay Path University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Bay Path, 59% of incoming students take out a loan to help cover first-year costs, averaging $7,059 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,319, equal to roughly 96.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Bay Path, freshmen included, 84% rely on federal student loans toward their education, for a typical $7,148 each per year. That amounts to 34.4% higher than the freshman federal average of $5,319.
Borrowing the same amount each year would add up to roughly $14,296 across two years and $28,592 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $7,148 |
| Undergraduates with a federal loan | 1,000 |
| Total federal loans (one year) | $7,147,998 |
Graduating and withdrawing students at Bay Path carry a median federal debt of $19,100 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,100 |
| Students who completed (graduates) | $24,901 |
| Students who withdrew | $11,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Bay Path.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $7,748 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $35,500 |
How wide this percentile range is tells you how much borrowing varies across students at Bay Path.
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 Bay Path.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 572 | $15,014 |
| Completed (graduates) | 355 | $16,500 |
| Did not complete | 217 | $13,345 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $196.2/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 Bay Path.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 515 | $15,300 |
| No Stafford loan this year | 57 | $12,438 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Bay Path.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Bay Path follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.8% |
| Borrowers in the cohort | 740 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $18,651 |
| Middle income | $18,993 |
| High income | $19,831 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,471 |
| Continuing-generation students | $18,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,000 |
| Independent students | $19,138 |
Federal data publishes the following gap measures for Bay Path.
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.
Important to Remember
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.