by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Bryan University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Bryan University, 89% of first-year students take on loan debt, with a typical loan of $9,396 each, across private and federal loan sources.
On the federal side, the average loan is $9,308. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Bryan University, 82% rely on federal student loans toward their education, at an average of $8,387 annually. That is 9.9% lower than the $9,308 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $16,774 by year two and around $33,548 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 82% |
| Average federal loan per year | $8,387 |
| Undergraduates with a federal loan | 1,705 |
| Total federal loans (one year) | $14,300,376 |
The median student at Bryan University borrows $13,763 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,763 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Bryan University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,801 |
| 25th percentile | $4,946 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $28,543 |
How wide this percentile range is tells you how much borrowing varies across students at Bryan University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Bryan University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 165 | $7,000 |
| Completed (graduates) | 72 | $5,870 |
| Did not complete | 93 | $7,482 |
On a standard 10-year plan, the median completing borrower would pay about $69.8/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 Bryan University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 137 | $6,796 |
| No Stafford loan this year | 28 | $7,451 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Bryan University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Bryan University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 258 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $13,000 |
| Middle income | $14,250 |
| High income | $14,750 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,750 |
| Continuing-generation students | $14,199 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $14,235 |
Federal data publishes the following gap measures for Bryan University.
The Difference Between 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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.