by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Mount Saint Vincent— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Mount Saint Vincent, 63% of first-year students take on loan debt, with a typical loan of $7,776 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,721. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Mount Saint Vincent, 54% finance part of their studies with federal loans, borrowing on average $6,490 annually. It comes to 3.4% less than the $6,721 borrowed by freshmen.
At a steady annual pace, that totals around $12,980 after two years and $25,960 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $6,490 |
| Undergraduates with a federal loan | 1,278 |
| Total federal loans (one year) | $8,294,509 |
The median student at Mount Saint Vincent borrows $18,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,500 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $7,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Mount Saint Vincent.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $9,500 |
| 75th percentile | $27,500 |
| 90th percentile (highest-debt students) | $36,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Mount Saint Vincent.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Mount Saint Vincent.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 495 | $21,449 |
| Completed (graduates) | 284 | $32,040 |
| Did not complete | 211 | $15,306 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $380.99/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 Mount Saint Vincent.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 446 | $22,247 |
| No Stafford loan this year | 49 | $14,243 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Mount Saint Vincent.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Mount Saint Vincent appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.0% |
| Borrowers in the cohort | 479 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $18,000 |
| Middle income | $20,000 |
| High income | $17,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,750 |
| Continuing-generation students | $17,651 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,450 |
| Independent students | $19,000 |
Federal data publishes the following gap measures for Mount Saint Vincent.
The Difference Between 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
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.