by our College Data Analytics TeamThis page focuses on the debt students take on to attend Coastal Carolina University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Coastal Carolina University, 65% of first-year students take on loan debt, with a typical loan of $11,864 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $5,562. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Coastal Carolina University (freshmen included), 59% rely on federal student loans toward their education, for a typical $6,485 in federal loans per year. That is 16.6% above the $5,562 typical freshmen borrow.
Repeating that yearly amount projects to about $12,970 across two years and $25,940 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 59% |
| Average federal loan per year | $6,485 |
| Undergraduates with a federal loan | 5,843 |
| Total federal loans (one year) | $37,891,943 |
The median student at Coastal Carolina University borrows $16,979 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,979 |
| Students who completed (graduates) | $23,750 |
| Students who withdrew | $8,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Coastal Carolina University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $26,000 |
| 90th percentile (highest-debt students) | $32,500 |
How wide this percentile range is tells you how much borrowing varies across students at Coastal Carolina University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Coastal Carolina University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2075 | $25,780 |
| Completed (graduates) | 1111 | $35,414 |
| Did not complete | 964 | $19,228 |
On a standard 10-year plan, the median completing borrower would pay about $421.11/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Coastal Carolina University.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2030 | $25,911 |
| No Stafford loan | 45 | $16,989 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1890 | $27,101 |
| No Stafford loan this year | 185 | $14,542 |
These figures turn the debt totals into a monthly repayment picture for Coastal Carolina University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Coastal Carolina University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.7% |
| Borrowers in the cohort | 2143 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $17,103 |
| Middle income | $17,750 |
| High income | $16,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,000 |
| Continuing-generation students | $16,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,648 |
| Independent students | $19,711 |
Federal data publishes the following gap measures for Coastal Carolina University.
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.
Important to Remember
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.