by our College Data Analytics TeamThis page focuses on the debt students take on to attend Chamberlain University-Virginia— 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.
For incoming students at Chamberlain - Virginia, 100% of incoming students take out a loan to help cover first-year costs, at roughly $9,500 each — a figure that counts both private and federal student loans.
The average federal loan is $9,500. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Chamberlain - Virginia (freshmen included), 76% rely on federal student loans toward their education, with a mean of $8,973 in federal loans per year. This is 5.5% smaller than the $9,500 freshmen take on.
Borrowing the same amount each year would add up to roughly $17,946 by year two and around $35,892 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 76% |
| Average federal loan per year | $8,973 |
| Undergraduates with a federal loan | 433 |
| Total federal loans (one year) | $3,885,101 |
Graduating and withdrawing students at Chamberlain - Virginia carry a median federal debt of $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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 - Virginia.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Chamberlain - Virginia.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Chamberlain - Virginia.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 5298 | $12,000 |
| Completed (graduates) | 2719 | $12,704 |
| Did not complete | 2579 | $11,443 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $151.06/mo.
Federal data lets us separate Stafford borrowers from the rest at Chamberlain - Virginia.
Borrowers With Any Stafford Loan
| 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 - Virginia.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Chamberlain - Virginia is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 3327 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| 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 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $16,125 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Chamberlain - Virginia.
Subsidized and 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?
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.