by our College Data Analytics TeamThis page focuses on the debt students take on to attend Dorsey College-Woodhaven— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Dorsey College-Woodhaven, 77% of incoming undergraduates borrow in year one, averaging $6,979 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,979. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Dorsey College-Woodhaven, 70% take out federal student loans, at an average of $6,725 in federal loans per year. It comes to 3.6% below the freshman federal average of $6,979.
Borrowing at that rate every year works out to about $13,450 by year two and around $26,900 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 | 70% |
| Average federal loan per year | $6,725 |
| Undergraduates with a federal loan | 149 |
| Total federal loans (one year) | $1,001,953 |
The middle borrower at Dorsey College-Woodhaven owes $9,500 in federal borrowing.
| 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-Woodhaven.
| 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-Woodhaven.
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-Woodhaven.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 515 | $5,742 |
| Completed (graduates) | 293 | $6,862 |
| Did not complete | 222 | $4,438 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $81.6/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 Dorsey College-Woodhaven.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 498 | — |
| No Stafford loan | 17 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 473 | $5,928 |
| No Stafford loan this year | 42 | $3,874 |
The indicators below describe what the typical debt costs to pay back at Dorsey College-Woodhaven.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Dorsey College-Woodhaven 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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,579 |
| High income | $8,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $10,458 |
Federal data publishes the following gap measures for Dorsey College-Woodhaven.
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.
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.