by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Campbell 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.
At Campbell, 47% of incoming undergraduates borrow in year one, averaging $8,674 per borrower, covering both private and federal loans.
The average federally funded loan is $5,378, which is 97.8% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Campbell, freshmen included, 39% take out federal student loans, averaging $6,925 a year. It comes to 28.8% above the $5,378 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $13,850 across two years and $27,700 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $6,925 |
| Undergraduates with a federal loan | 1,092 |
| Total federal loans (one year) | $7,561,676 |
The median student at Campbell borrows $17,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,000 |
| Students who completed (graduates) | $22,500 |
| Students who withdrew | $9,273 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Campbell.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $5,500 |
| 75th percentile | $26,000 |
| 90th percentile (highest-debt students) | $33,750 |
How wide this percentile range is tells you how much borrowing varies across students at Campbell.
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 Campbell.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1075 | $30,850 |
| Completed (graduates) | 730 | $40,055 |
| Did not complete | 345 | $18,720 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $476.3/mo.
Federal data lets us separate Stafford borrowers from the rest at Campbell.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1058 | — |
| No Stafford loan | 17 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 977 | $33,419 |
| No Stafford loan this year | 98 | $12,037 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Campbell.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Campbell follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.4% |
| Borrowers in the cohort | 1224 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,497 |
| Middle income | $17,000 |
| High income | $17,625 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,996 |
| Continuing-generation students | $17,063 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,000 |
| Independent students | $16,991 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Campbell.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.