by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Dallas Baptist University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at DBU, 45% of incoming undergraduates borrow in year one, borrowing on average $12,090 per borrower, covering both private and federal loans.
The average federally funded loan is $5,817. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at DBU, 36% borrow through federal student loan programs, averaging $7,143 each per year. It comes to 22.8% above the $5,817 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $14,286 across two years and $28,572 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $7,143 |
| Undergraduates with a federal loan | 909 |
| Total federal loans (one year) | $6,492,959 |
The middle borrower at DBU owes $16,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,000 |
| Students who completed (graduates) | $21,591 |
| Students who withdrew | $7,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for DBU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,500 |
| 75th percentile | $25,125 |
| 90th percentile (highest-debt students) | $35,500 |
How wide this percentile range is tells you how much borrowing varies across students at DBU.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at DBU.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 432 | $19,123 |
| Completed (graduates) | 257 | $19,836 |
| Did not complete | 175 | $17,481 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $235.87/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 DBU.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 417 | — |
| No Stafford loan | 15 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 361 | $19,828 |
| No Stafford loan this year | 71 | $12,206 |
Repayment burden translates the debt figures into what a borrower actually pays each month. DBU.
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 DBU is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.9% |
| Borrowers in the cohort | 1402 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $16,892 |
| Middle income | $17,625 |
| High income | $15,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,352 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,886 |
| Independent students | $21,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at DBU.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.