by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Bryant & Stratton College-Online— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Bryant & Stratton College - Online, 85% of incoming undergraduates borrow in year one, with a typical loan of $7,139 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $7,087. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Bryant & Stratton College - Online, freshmen included, 82% take out federal student loans, with a mean of $6,840 annually. It comes to 3.5% lower than the $7,087 freshmen take on.
Borrowing the same amount each year would add up to roughly $13,680 across two years and $27,360 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 | 82% |
| Average federal loan per year | $6,840 |
| Undergraduates with a federal loan | 6,413 |
| Total federal loans (one year) | $43,867,031 |
The median student at Bryant & Stratton College - Online borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $21,549 |
| Students who withdrew | $7,155 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Bryant & Stratton College - Online.
| 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 - Online.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Bryant & Stratton College - Online.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Bryant & Stratton College - Online.
Any-Stafford Borrowers
| 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 - Online.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Bryant & Stratton College - Online 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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $12,200 |
| High income | $9,694 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $10,936 |
Dependent vs Independent Borrowers
| 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 - Online.
Subsidized vs. 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.