by our College Data Analytics TeamHere you will find what students actually borrow to attend Chamberlain University-Florida— 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.
Looking at the entering class at Chamberlain - Florida, 88% of incoming undergraduates borrow in year one, with a typical loan of $6,240 per borrower, covering both private and federal loans.
Federal loans alone average $6,240. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Chamberlain - Florida, 81% borrow through federal student loan programs, with a mean of $9,451 each per year. It comes to 51.5% larger than the first-year federal average of $6,240.
Borrowing the same amount each year would add up to roughly $18,902 after two years and $37,804 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $9,451 |
| Undergraduates with a federal loan | 679 |
| Total federal loans (one year) | $6,417,527 |
The middle borrower at Chamberlain - Florida owes $16,458 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,458 |
| Students who completed (graduates) | $20,919 |
| Students who withdrew | $10,922 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Chamberlain - Florida.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,288 |
| 25th percentile | $10,169 |
| 75th percentile | $27,500 |
| 90th percentile (highest-debt students) | $40,125 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Chamberlain - Florida.
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 Chamberlain - Florida.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 5298 | $12,000 |
| Completed (graduates) | 2719 | $12,704 |
| Did not complete | 2579 | $11,443 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $151.06/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 Chamberlain - Florida.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5272 | $12,000 |
| No Stafford loan | 26 | $7,000 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 4152 | $12,069 |
| No Stafford loan this year | 1146 | $11,841 |
The indicators below describe what the typical debt costs to pay back at Chamberlain - Florida.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Chamberlain - Florida appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 3327 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,577 |
| Middle income | $15,795 |
| High income | $17,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,405 |
| Continuing-generation students | $16,594 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $16,125 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Chamberlain - Florida.
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.
Worth Knowing
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.