by our College Data Analytics TeamThis page focuses on the debt students take on to attend Brescia University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Brescia University, 44% of incoming undergraduates borrow in year one, borrowing on average $5,676 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,676. 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.
Counting every undergraduate at Brescia University, 53% borrow through federal student loan programs, for a typical $7,561 each per year. This works out to 33.2% larger than the $5,676 borrowed by freshmen.
Borrowing at that rate every year works out to about $15,122 over two years and about $30,244 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $7,561 |
| Undergraduates with a federal loan | 286 |
| Total federal loans (one year) | $2,162,340 |
The middle borrower at Brescia University owes $20,185 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,185 |
| Students who completed (graduates) | $29,430 |
| Students who withdrew | $10,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Brescia University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $8,750 |
| 75th percentile | $31,000 |
| 90th percentile (highest-debt students) | $39,682 |
How wide this percentile range is tells you how much borrowing varies across students at Brescia University.
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 Brescia University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 141 | $13,063 |
| Completed (graduates) | 69 | $16,871 |
| Did not complete | 72 | $11,208 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $200.61/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Brescia University.
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 Brescia University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 194 |
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 | $25,000 |
| Middle income | $20,574 |
| High income | $13,699 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $22,402 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,125 |
| Independent students | $29,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Brescia University.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.