by our College Data Analytics TeamThis page focuses on the debt students take on to attend Campbellsville University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Campbellsville University, 45% of incoming students take out a loan to help cover first-year costs, with a typical loan of $6,180 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,423, which is 98.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Campbellsville University, 52% finance part of their studies with federal loans, borrowing on average $6,202 in federal loans per year. This works out to 14.4% larger than the $5,423 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,404 in two years and roughly $24,808 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $6,202 |
| Undergraduates with a federal loan | 1,266 |
| Total federal loans (one year) | $7,852,041 |
The middle borrower at Campbellsville University owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $17,156 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Campbellsville University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $22,000 |
| 90th percentile (highest-debt students) | $30,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Campbellsville University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Campbellsville University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 470 | $10,217 |
| Completed (graduates) | 230 | $10,370 |
| Did not complete | 240 | $10,089 |
On a standard 10-year plan, the median completing borrower would pay about $123.31/mo.
Federal data lets us separate Stafford borrowers from the rest at Campbellsville University.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 404 | $10,375 |
| No Stafford loan this year | 66 | $9,016 |
The indicators below describe what the typical debt costs to pay back at Campbellsville University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Campbellsville University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 728 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $8,330 |
| Middle income | $11,005 |
| High income | $11,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $11,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,000 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Campbellsville 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.
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.