by our College Data Analytics TeamThis page focuses on the debt students take on to attend D’Youville University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at D’Youville College, 54% of new students use loans toward freshman-year expenses, at roughly $8,812 per borrower, covering both private and federal loans.
The average federally funded loan is $5,682. 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.
Counting every undergraduate at D’Youville College, 65% use federal student loans to help pay for their education, borrowing on average $10,794 annually. This is 90.0% above the freshman federal average of $5,682.
Carrying that yearly figure forward comes to roughly $21,588 in two years and roughly $43,176 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $10,794 |
| Undergraduates with a federal loan | 847 |
| Total federal loans (one year) | $9,142,871 |
The middle borrower at D’Youville College owes $19,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,750 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $9,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at D’Youville College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,000 |
| 25th percentile | $8,750 |
| 75th percentile | $29,000 |
| 90th percentile (highest-debt students) | $39,251 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at D’Youville College.
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 D’Youville College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 352 | $21,550 |
| Completed (graduates) | 227 | $25,000 |
| Did not complete | 125 | $19,332 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $297.28/mo.
Federal data lets us separate Stafford borrowers from the rest at D’Youville College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 327 | $21,959 |
| No Stafford loan this year | 25 | $19,000 |
These figures turn the debt totals into a monthly repayment picture for D’Youville College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for D’Youville College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.0% |
| Borrowers in the cohort | 742 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,500 |
| Middle income | $19,563 |
| High income | $19,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,250 |
| Continuing-generation students | $19,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,330 |
| Independent students | $25,000 |
Federal data publishes the following gap measures for D’Youville College.
Subsidized vs. 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.