by our College Data Analytics TeamHere you will find what students actually borrow to attend Embry-Riddle Aeronautical University-Worldwide— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Embry-Riddle Worldwide specifically, 9% of first-year students take on loan debt, borrowing on average $6,263 per borrower, covering both private and federal loans.
The average federal loan is $6,263. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Embry-Riddle Worldwide, 10% finance part of their studies with federal loans, averaging $7,148 annually. That amounts to 14.1% higher than the $6,263 typical freshmen borrow.
At a steady annual pace, that totals around $14,296 after two years and $28,592 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $7,148 |
| Undergraduates with a federal loan | 905 |
| Total federal loans (one year) | $6,469,283 |
The middle borrower at Embry-Riddle Worldwide owes $14,250 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,250 |
| Students who completed (graduates) | $23,666 |
| Students who withdrew | $8,424 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Embry-Riddle Worldwide.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,625 |
| 25th percentile | $5,250 |
| 75th percentile | $26,500 |
| 90th percentile (highest-debt students) | $37,000 |
How wide this percentile range is tells you how much borrowing varies across students at Embry-Riddle Worldwide.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Embry-Riddle Worldwide.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2774 | $25,998 |
| Completed (graduates) | 1278 | $43,423 |
| Did not complete | 1496 | $19,958 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $516.35/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Embry-Riddle Worldwide.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2673 | $26,021 |
| No Stafford loan | 101 | $24,768 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1822 | $43,303 |
| No Stafford loan this year | 952 | $12,401 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Embry-Riddle Worldwide.
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 Embry-Riddle Worldwide is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.7% |
| Borrowers in the cohort | 2748 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $13,000 |
| High income | $14,750 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $15,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,000 |
| Independent students | $12,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Embry-Riddle Worldwide.
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.
Worth Knowing
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.