by our College Data Analytics TeamThis page focuses on the debt students take on to attend Culver-Stockton College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Culver - Stockton, 86% of new students use loans toward freshman-year expenses, borrowing on average $8,316 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,901. 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.
Across the full undergraduate body at Culver - Stockton (freshmen included), 75% borrow through federal student loan programs, for a typical $6,849 per year. This is 16.1% above the first-year federal average of $5,901.
At a steady annual pace, that totals around $13,698 after two years and $27,396 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $6,849 |
| Undergraduates with a federal loan | 666 |
| Total federal loans (one year) | $4,561,586 |
The median student at Culver - Stockton borrows $15,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $26,000 |
| Students who withdrew | $8,250 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Culver - Stockton.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,334 |
| 25th percentile | $6,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $38,125 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Culver - Stockton.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Culver - Stockton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 194 | $20,000 |
| Completed (graduates) | 93 | $29,500 |
| Did not complete | 101 | $15,982 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $350.79/mo.
The indicators below describe what the typical debt costs to pay back at Culver - Stockton.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Culver - Stockton appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.7% |
| Borrowers in the cohort | 257 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,875 |
| Middle income | $16,000 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $13,942 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $21,750 |
Federal data publishes the following gap measures for Culver - Stockton.
The Difference Between 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?
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.