by our College Data Analytics TeamThis page focuses on the debt students take on to attend Bryan University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Bryan University, 60% of freshmen borrow to help pay for their first year, for an average of $6,249 each, across private and federal loan sources.
The average federally funded loan is $6,249. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Bryan University, 78% take out federal student loans, with a mean of $8,489 annually. That amounts to 35.8% above the $6,249 freshmen take on.
Borrowing the same amount each year would add up to roughly $16,978 after two years and $33,956 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $8,489 |
| Undergraduates with a federal loan | 95 |
| Total federal loans (one year) | $806,462 |
Graduating and withdrawing students at Bryan University carry a median federal debt of $16,999 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,999 |
| Students who completed (graduates) | $22,764 |
| Students who withdrew | $9,104 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Bryan University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,334 |
| 75th percentile | $23,896 |
| 90th percentile (highest-debt students) | $32,805 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Bryan University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Bryan University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 29 | $7,501 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Bryan 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 Bryan University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 28.3% |
| Borrowers in the cohort | 371 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $17,302 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,584 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,666 |
| Independent students | $18,486 |
Federal data publishes the following gap measures for Bryan University.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.