by our College Data Analytics TeamThis page focuses on the debt students take on to attend Davis College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Davis College, 0% of first-year students take on loan debt.
Looking at all undergraduates at Davis College, freshmen included, 35% take out federal student loans, with a mean of $5,323 per year.
Borrowing the same amount each year would add up to roughly $10,646 by year two and around $21,292 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 35% |
| Average federal loan per year | $5,323 |
| Undergraduates with a federal loan | 31 |
| Total federal loans (one year) | $164,998 |
Graduating and withdrawing students at Davis College carry a median federal debt of $17,290 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,290 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Davis College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,348 |
| 25th percentile | $6,939 |
| 75th percentile | $26,812 |
| 90th percentile (highest-debt students) | $35,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Davis College.
The indicators below describe what the typical debt costs to pay back at Davis College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Davis College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.3% |
| Borrowers in the cohort | 82 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Subsidized vs. 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.
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.