by our College Data Analytics TeamThis page focuses on the debt students take on to attend Concordia University-Wisconsin— 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.
Among first-year students at Concordia University, Wisconsin, 65% of incoming undergraduates borrow in year one, for an average of $9,779 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,084, amounting to 92.4% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Concordia University, Wisconsin, 66% finance part of their studies with federal loans, borrowing on average $7,025 per year. It comes to 38.2% larger than the $5,084 freshmen take on.
Repeating that yearly amount projects to about $14,050 across two years and $28,100 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $7,025 |
| Undergraduates with a federal loan | 1,518 |
| Total federal loans (one year) | $10,663,351 |
The median student at Concordia University, Wisconsin borrows $19,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,500 |
| Students who completed (graduates) | $25,750 |
| Students who withdrew | $10,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Concordia University, Wisconsin.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,340 |
| 25th percentile | $6,499 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $36,889 |
How wide this percentile range is tells you how much borrowing varies across students at Concordia University, Wisconsin.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Concordia University, Wisconsin.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 892 | $18,193 |
| Completed (graduates) | 485 | $24,831 |
| Did not complete | 407 | $14,300 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $295.27/mo.
Federal data lets us separate Stafford borrowers from the rest at Concordia University, Wisconsin.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 758 | $18,911 |
| No Stafford loan this year | 134 | $15,870 |
These figures turn the debt totals into a monthly repayment picture for Concordia University, Wisconsin.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Concordia University, Wisconsin appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 1730 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $17,750 |
| Middle income | $19,500 |
| High income | $20,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,365 |
| Continuing-generation students | $20,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $20,700 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Concordia University, Wisconsin.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.