by our College Data Analytics TeamHere you will find what students actually borrow to attend Chamberlain University-Missouri— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Chamberlain - Missouri, 100% of freshmen borrow to help pay for their first year, at roughly $15,300 each, across private and federal loan sources.
Federal loans alone average $8,500. 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.
Counting every undergraduate at Chamberlain - Missouri, 79% finance part of their studies with federal loans, averaging $8,968 each per year. That is 5.5% greater than the freshman federal average of $8,500.
Borrowing the same amount each year would add up to roughly $17,936 in two years and roughly $35,872 over four years. 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 | $8,968 |
| Undergraduates with a federal loan | 258 |
| Total federal loans (one year) | $2,313,696 |
The median student at Chamberlain - Missouri borrows $16,458 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,458 |
| Students who completed (graduates) | $20,919 |
| Students who withdrew | $10,922 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Chamberlain - Missouri.
| 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 - Missouri.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Chamberlain - Missouri.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 5298 | $12,000 |
| Completed (graduates) | 2719 | $12,704 |
| Did not complete | 2579 | $11,443 |
On a standard 10-year plan, the median completing borrower would pay 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 - Missouri.
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 |
These figures turn the debt totals into a monthly repayment picture for Chamberlain - Missouri.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Chamberlain - Missouri is shown 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.
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-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,405 |
| Continuing-generation students | $16,594 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $16,125 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Chamberlain - Missouri.
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.