by our College Data Analytics TeamHere you will find what students actually borrow to attend Bryant & Stratton College-Buffalo: 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.
For incoming students at Bryant & Stratton College - Buffalo, 57% of incoming undergraduates borrow in year one, for an average of $5,735 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,483, which is 99.7% of the $5,500 first-year borrowing cap for the typical first-year 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 Bryant & Stratton College - Buffalo, 77% rely on federal student loans toward their education, borrowing on average $5,655 per year. This is 3.1% greater than the $5,483 freshmen take on.
Borrowing at that rate every year works out to about $11,310 by year two and around $22,620 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 77% |
| Average federal loan per year | $5,655 |
| Undergraduates with a federal loan | 516 |
| Total federal loans (one year) | $2,917,892 |
The middle borrower at Bryant & Stratton College - Buffalo owes $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $21,549 |
| Students who withdrew | $7,155 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Bryant & Stratton College - Buffalo.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $21,331 |
| 90th percentile (highest-debt students) | $31,573 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Bryant & Stratton College - Buffalo.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Bryant & Stratton College - Buffalo.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1539 | $7,900 |
| Completed (graduates) | 531 | $9,064 |
| Did not complete | 1008 | $7,468 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $107.78/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 Bryant & Stratton College - Buffalo.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1516 | $7,915 |
| No Stafford loan | 23 | $4,000 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1380 | $7,733 |
| No Stafford loan this year | 159 | $9,850 |
The indicators below describe what the typical debt costs to pay back at Bryant & Stratton College - Buffalo.
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 Bryant & Stratton College - Buffalo follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.6% |
| Borrowers in the cohort | 9727 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $12,200 |
| High income | $9,694 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $10,936 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $11,946 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Bryant & Stratton College - Buffalo.
The Difference Between Subsidized and 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.
Did You Know?
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.