by our College Data Analytics TeamHere you will find what students actually borrow to attend Evangel University-James River Assembly of God Church: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Evangel University-James River Assembly of God Church, 100% of freshmen borrow to help pay for their first year, at roughly $7,795 each, across private and federal loan sources.
The typical federal loan comes to $6,856. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Evangel University-James River Assembly of God Church, 98% take out federal student loans, with a mean of $7,309 per year. It comes to 6.6% greater than the freshman federal average of $6,856.
At a steady annual pace, that totals around $14,618 across two years and $29,236 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 98% |
| Average federal loan per year | $7,309 |
| Undergraduates with a federal loan | 96 |
| Total federal loans (one year) | $701,629 |
The median student at Evangel University-James River Assembly of God Church borrows $17,495 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,495 |
| Students who completed (graduates) | $24,736 |
| Students who withdrew | $8,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Evangel University-James River Assembly of God Church.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,766 |
| 25th percentile | $7,000 |
| 75th percentile | $28,000 |
| 90th percentile (highest-debt students) | $36,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Evangel University-James River Assembly of God Church.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Evangel University-James River Assembly of God Church.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 341 | $16,584 |
| Completed (graduates) | 192 | $20,473 |
| Did not complete | 149 | $14,500 |
On a standard 10-year plan, the median completing borrower would pay about $243.45/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 Evangel University-James River Assembly of God Church.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 314 | $17,442 |
| No Stafford loan this year | 27 | $9,872 |
These figures turn the debt totals into a monthly repayment picture for Evangel University-James River Assembly of God Church.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Evangel University-James River Assembly of God Church appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.3% |
| Borrowers in the cohort | 638 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $15,764 |
| Middle income | $18,750 |
| High income | $18,196 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $19,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,490 |
| Independent students | $17,639 |
Federal data publishes the following gap measures for Evangel University-James River Assembly of God Church.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.