by our College Data Analytics TeamHere you will find what students actually borrow to attend Dorsey College-Roseville: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Dorsey College, Roseville, 71% of new students use loans toward freshman-year expenses, for an average of $6,600 each, across private and federal loan sources.
The typical federal loan comes to $6,600. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Dorsey College, Roseville, 88% rely on federal student loans toward their education, borrowing on average $7,106 a year. That is 7.7% greater than the $6,600 freshmen take on.
Repeating that yearly amount projects to about $14,212 in two years and roughly $28,424 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 88% |
| Average federal loan per year | $7,106 |
| Undergraduates with a federal loan | 389 |
| Total federal loans (one year) | $2,764,234 |
The median student at Dorsey College, Roseville borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $5,172 |
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 Dorsey College, Roseville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,626 |
| 25th percentile | $4,436 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $13,969 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Dorsey College, Roseville.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Dorsey College, Roseville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 515 | $5,742 |
| Completed (graduates) | 293 | $6,862 |
| Did not complete | 222 | $4,438 |
On a standard 10-year plan, the median completing borrower would pay about $81.6/mo.
Federal data lets us separate Stafford borrowers from the rest at Dorsey College, Roseville.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 498 | — |
| No Stafford loan | 17 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 473 | $5,928 |
| No Stafford loan this year | 42 | $3,874 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Dorsey College, Roseville.
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 Dorsey College, Roseville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.5% |
| Borrowers in the cohort | 1723 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,579 |
| High income | $8,917 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $10,458 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Dorsey College, Roseville.
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.
Worth Knowing
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.