by our College Data Analytics TeamHere you will find what students actually borrow to attend Cameron University— 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 Cameron University, 29% of first-year students take on loan debt, at roughly $6,001 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,545. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Cameron University, 33% rely on federal student loans toward their education, borrowing on average $6,967 annually. This works out to 25.6% larger than the $5,545 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $13,934 across two years and $27,868 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 33% |
| Average federal loan per year | $6,967 |
| Undergraduates with a federal loan | 844 |
| Total federal loans (one year) | $5,880,553 |
The median student at Cameron University borrows $11,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,000 |
| Students who completed (graduates) | $21,500 |
| Students who withdrew | $9,250 |
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 Cameron University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,269 |
| 25th percentile | $4,500 |
| 75th percentile | $20,992 |
| 90th percentile (highest-debt students) | $36,140 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Cameron 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 Cameron University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 150 | $10,999 |
| Completed (graduates) | 39 | $10,956 |
| Did not complete | 111 | $11,042 |
On a standard 10-year plan, the median completing borrower would pay about $130.28/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 Cameron University.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 99 | $8,628 |
| No Stafford loan this year | 51 | $13,592 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cameron University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Cameron University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 1215 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $11,740 |
| Middle income | $10,500 |
| High income | $11,850 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,686 |
| Continuing-generation students | $9,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,266 |
| Independent students | $14,250 |
Federal data publishes the following gap measures for Cameron 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.
Did You Know?
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.