by our College Data Analytics TeamThis page focuses on the debt students take on to attend Chamberlain University-Georgia, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Chamberlain - Georgia, 100% of incoming undergraduates borrow in year one, borrowing on average $8,656 per borrower, covering both private and federal loans.
The average federally funded loan is $5,974. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Chamberlain - Georgia, 79% finance part of their studies with federal loans, for a typical $9,202 each per year. That is 54.0% greater than the $5,974 freshmen take on.
Repeating that yearly amount projects to about $18,404 by year two and around $36,808 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $9,202 |
| Undergraduates with a federal loan | 1,256 |
| Total federal loans (one year) | $11,558,279 |
The median student at Chamberlain - Georgia borrows $16,458 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,458 |
| Students who completed (graduates) | $20,919 |
| Students who withdrew | $10,922 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Chamberlain - Georgia.
| 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 - Georgia.
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 - Georgia.
| 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 - Georgia.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5272 | $12,000 |
| No Stafford loan | 26 | $7,000 |
Stafford This Year vs Not
| 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 - Georgia.
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 Chamberlain - Georgia appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 3327 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,577 |
| 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 - Georgia.
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.