by our College Data Analytics TeamHere you will find what students actually borrow to attend Drury 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 Drury University specifically, 51% of incoming undergraduates borrow in year one, borrowing on average $7,942 per student, private and federal loans combined.
The typical federal loan comes to $5,101, or about 92.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Drury University, 50% borrow through federal student loan programs, at an average of $6,173 each per year. That is 21.0% above the $5,101 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,346 after two years and $24,692 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $6,173 |
| Undergraduates with a federal loan | 679 |
| Total federal loans (one year) | $4,191,263 |
The median student at Drury University borrows $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Drury University.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Drury University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Drury University.
| 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.
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.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Drury University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.7% |
| Borrowers in the cohort | 1470 |
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 | $12,500 |
| Middle income | $12,000 |
| High income | $15,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,570 |
| Continuing-generation students | $14,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,450 |
| Independent students | $12,499 |
Federal data publishes the following gap measures for Drury University.
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
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.