by our College Data Analytics TeamHere you will find what students actually borrow to attend Delaware Valley University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At DelVal, 89% of incoming undergraduates borrow in year one, for an average of $10,721 per borrower, covering both private and federal loans.
The average federally funded loan is $5,836. That sits at or beyond the $5,500 first-year federal limit 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 DelVal, 80% rely on federal student loans toward their education, borrowing on average $6,807 per year. This is 16.6% larger than the freshman federal average of $5,836.
Repeating that yearly amount projects to about $13,614 across two years and $27,228 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $6,807 |
| Undergraduates with a federal loan | 1,311 |
| Total federal loans (one year) | $8,924,597 |
The middle borrower at DelVal owes $17,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,500 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $9,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for DelVal.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at DelVal.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for DelVal.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 516 | $28,401 |
| Completed (graduates) | 219 | $52,335 |
| Did not complete | 297 | $20,392 |
On a standard 10-year plan, the median completing borrower would pay about $622.32/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at DelVal.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 420 | $32,848 |
| No Stafford loan this year | 96 | $16,352 |
The indicators below describe what the typical debt costs to pay back at DelVal.
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 DelVal appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 602 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $17,366 |
| Middle income | $17,750 |
| High income | $17,200 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,500 |
| Continuing-generation students | $16,891 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,625 |
| Independent students | $19,806 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at DelVal.
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.
Did You Know?
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.