by our College Data Analytics TeamHere you will find what students actually borrow to attend Drury University-College of Continuing Professional Studies— 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.
For incoming students at Drury University - CCPS, 42% of first-year students take on loan debt, averaging $7,539 per borrower, covering both private and federal loans.
On the federal side, the average loan is $6,337. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Drury University - CCPS, 49% borrow through federal student loan programs, averaging $7,564 annually. It comes to 19.4% above the $6,337 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $15,128 over two years and about $30,256 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $7,564 |
| Undergraduates with a federal loan | 342 |
| Total federal loans (one year) | $2,586,910 |
The middle borrower at Drury University - CCPS owes $13,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,000 |
| Students who completed (graduates) | $20,979 |
| Students who withdrew | $8,218 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Drury University - CCPS.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,822 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $39,912 |
How wide this percentile range is tells you how much borrowing varies across students at Drury University - CCPS.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Drury University - CCPS.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 226 | $17,880 |
| Completed (graduates) | 119 | $26,668 |
| Did not complete | 107 | $12,282 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $317.11/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Drury University - CCPS.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 187 | $20,595 |
| No Stafford loan this year | 39 | $9,387 |
The indicators below describe what the typical debt costs to pay back at Drury University - CCPS.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Drury University - CCPS is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.7% |
| Borrowers in the cohort | 1470 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $12,000 |
| High income | $15,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,570 |
| Continuing-generation students | $14,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,450 |
| Independent students | $12,499 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Drury University - CCPS.
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.
Important to Remember
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.