by our College Data Analytics TeamHere you will find what students actually borrow to attend Blue Cliff College - Metairie, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Blue Cliff College - Metairie, 77% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,101 per borrower, covering both private and federal loans.
The typical federal loan comes to $7,101. 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 Blue Cliff College - Metairie, 75% take out federal student loans, at an average of $6,069 each per year. This is 14.5% below the $7,101 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,138 after two years and $24,276 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $6,069 |
| Undergraduates with a federal loan | 549 |
| Total federal loans (one year) | $3,332,083 |
The median student at Blue Cliff College - Metairie borrows $8,265 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,265 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
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 Blue Cliff College - Metairie.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,894 |
| 25th percentile | $4,750 |
| 75th percentile | $12,402 |
| 90th percentile (highest-debt students) | $16,535 |
How wide this percentile range is tells you how much borrowing varies across students at Blue Cliff College - Metairie.
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 Blue Cliff College - Metairie.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 315 | $6,535 |
| Completed (graduates) | 194 | $7,205 |
| Did not complete | 121 | $5,140 |
On a standard 10-year plan, the median completing borrower would pay about $85.68/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 Blue Cliff College - Metairie.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 290 | $6,517 |
| No Stafford loan this year | 25 | $7,500 |
These figures turn the debt totals into a monthly repayment picture for Blue Cliff College - Metairie.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Blue Cliff College - Metairie is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 1680 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,265 |
| Middle income | $8,265 |
| High income | $6,365 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,265 |
| Continuing-generation students | $8,265 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,334 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Blue Cliff College - Metairie.
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.
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.