by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Fayetteville State University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Fayetteville State University specifically, 53% of new students use loans toward freshman-year expenses, averaging $5,453 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,302, representing 96.4% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Fayetteville State University (freshmen included), 49% use federal student loans to help pay for their education, with a mean of $6,731 per year. That is 27.0% greater than the $5,302 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $13,462 after two years and $26,924 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 | $6,731 |
| Undergraduates with a federal loan | 2,684 |
| Total federal loans (one year) | $18,066,166 |
The middle borrower at Fayetteville State University owes $15,766 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,766 |
| Students who completed (graduates) | $22,987 |
| Students who withdrew | $10,596 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Fayetteville State University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,800 |
| 25th percentile | $7,500 |
| 75th percentile | $29,279 |
| 90th percentile (highest-debt students) | $40,057 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Fayetteville State University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Fayetteville State University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 676 | $8,454 |
| Completed (graduates) | 242 | $8,791 |
| Did not complete | 434 | $8,193 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $104.53/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 Fayetteville State University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 453 | $7,324 |
| No Stafford loan this year | 223 | $11,690 |
The indicators below describe what the typical debt costs to pay back at Fayetteville State University.
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 Fayetteville State University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.7% |
| Borrowers in the cohort | 1713 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,750 |
| Middle income | $15,000 |
| High income | $14,934 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,392 |
| Continuing-generation students | $14,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,607 |
| Independent students | $16,029 |
Federal data publishes the following gap measures for Fayetteville State University.
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.
Did You Know?
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.