by our College Data Analytics TeamThis page focuses on the debt students take on to attend Beulah Heights University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At BHU specifically, 0% of freshmen borrow to help pay for their first year.
Among all degree-seeking undergrads at BHU, 37% rely on federal student loans toward their education, at an average of $8,843 each per year.
Carrying that yearly figure forward comes to roughly $17,686 over two years and about $35,372 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $8,843 |
| Undergraduates with a federal loan | 59 |
| Total federal loans (one year) | $521,748 |
The middle borrower at BHU owes $38,980 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $38,980 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at BHU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $15,834 |
| 75th percentile | $50,088 |
These figures turn the debt totals into a monthly repayment picture for BHU.
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 BHU follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.0% |
| Borrowers in the cohort | 176 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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?
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.