by our College Data Analytics TeamHere you will find what students actually borrow to attend Fisher College— 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.
For incoming students at Fisher College, 79% of first-year students take on loan debt, with a typical loan of $6,235 each, across private and federal loan sources.
On the federal side, the average loan is $4,247, or about 77.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Fisher College, 74% finance part of their studies with federal loans, with a mean of $5,090 in federal loans per year. That amounts to 19.8% higher than the $4,247 borrowed by freshmen.
At a steady annual pace, that totals around $10,180 across two years and $20,360 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $5,090 |
| Undergraduates with a federal loan | 843 |
| Total federal loans (one year) | $4,290,463 |
Graduating and withdrawing students at Fisher College carry a median federal debt of $12,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $8,225 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Fisher College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,653 |
| 25th percentile | $4,750 |
| 75th percentile | $19,266 |
| 90th percentile (highest-debt students) | $30,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Fisher College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Fisher College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 291 | $24,080 |
| Completed (graduates) | 132 | $29,228 |
| Did not complete | 159 | $18,860 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $347.55/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 Fisher College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 278 | — |
| No Stafford loan this year | 13 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Fisher College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Fisher College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.7% |
| Borrowers in the cohort | 516 |
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 | $12,503 |
| Middle income | $12,778 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $12,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $13,196 |
Federal data publishes the following gap measures for Fisher College.
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.