by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Bethany Global University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at BGU, 68% of incoming students take out a loan to help cover first-year costs, borrowing on average $7,853 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,969. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at BGU, 57% rely on federal student loans toward their education, for a typical $5,777 a year. That is 17.1% below the $6,969 typical freshmen borrow.
Borrowing at that rate every year works out to about $11,554 across two years and $23,108 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $5,777 |
| Undergraduates with a federal loan | 93 |
| Total federal loans (one year) | $537,242 |
The median student at BGU borrows $11,598 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,598 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $8,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at BGU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,050 |
| 75th percentile | $12,000 |
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 BGU.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $6,928 |
Repayment burden translates the debt figures into what a borrower actually pays each month. BGU.
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 | $10,500 |
| Middle income | $12,000 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $10,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,347 |
| Independent students | $14,880 |
Federal data publishes the following gap measures for BGU.
Subsidized vs. 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.
Important to Remember
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.