by our College Data Analytics TeamHere you will find what students actually borrow to attend Cheyney University of Pennsylvania, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Cheyney University of Pennsylvania, 63% of freshmen borrow to help pay for their first year, borrowing on average $6,221 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,865. 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.
Looking at all undergraduates at Cheyney University of Pennsylvania, freshmen included, 58% finance part of their studies with federal loans, averaging $6,703 a year. That amounts to 14.3% greater than the freshman federal average of $5,865.
Carrying that yearly figure forward comes to roughly $13,406 across two years and $26,812 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 | 58% |
| Average federal loan per year | $6,703 |
| Undergraduates with a federal loan | 418 |
| Total federal loans (one year) | $2,801,830 |
Graduating and withdrawing students at Cheyney University of Pennsylvania carry a median federal debt of $13,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,000 |
| Students who completed (graduates) | $21,785 |
| Students who withdrew | $11,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Cheyney University of Pennsylvania.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,250 |
| 25th percentile | $9,500 |
| 75th percentile | $34,705 |
| 90th percentile (highest-debt students) | $43,680 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cheyney University of Pennsylvania.
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 Cheyney University of Pennsylvania.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 138 | $14,231 |
| Completed (graduates) | 25 | $20,647 |
| Did not complete | 113 | $12,485 |
On a standard 10-year plan, the median completing borrower would pay about $245.51/mo.
Federal data lets us separate Stafford borrowers from the rest at Cheyney University of Pennsylvania.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 119 | $14,057 |
| No Stafford loan this year | 19 | $15,038 |
The indicators below describe what the typical debt costs to pay back at Cheyney University of Pennsylvania.
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 Cheyney University of Pennsylvania follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.6% |
| Borrowers in the cohort | 549 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $15,125 |
| Middle income | $13,250 |
| High income | $6,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,375 |
| Continuing-generation students | $10,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $19,500 |
Federal data publishes the following gap measures for Cheyney University of Pennsylvania.
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
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.