by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Blue Mountain Christian 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 Blue Mountain College, 53% of freshmen borrow to help pay for their first year, with a typical loan of $4,259 per borrower, covering both private and federal loans.
The average federal loan is $3,505, which is 63.7% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Blue Mountain College, freshmen included, 88% rely on federal student loans toward their education, at an average of $4,904 annually. It comes to 39.9% more than the $3,505 borrowed by freshmen.
Repeating that yearly amount projects to about $9,808 in two years and roughly $19,616 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 88% |
| Average federal loan per year | $4,904 |
| Undergraduates with a federal loan | 472 |
| Total federal loans (one year) | $2,314,776 |
Graduating and withdrawing students at Blue Mountain College carry a median federal debt of $13,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,750 |
| Students who completed (graduates) | $18,534 |
| Students who withdrew | $7,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Blue Mountain College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $20,065 |
| 90th percentile (highest-debt students) | $29,546 |
How wide this percentile range is tells you how much borrowing varies across students at Blue Mountain College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Blue Mountain College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 48 | $12,454 |
| Completed (graduates) | 22 | $14,058 |
| Did not complete | 26 | $11,606 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $167.16/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Blue Mountain College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Blue Mountain College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 166 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $13,891 |
| Middle income | $13,875 |
| High income | $12,388 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,821 |
| Continuing-generation students | $13,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,750 |
| Independent students | $20,154 |
Federal data publishes the following gap measures for Blue Mountain College.
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
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.