by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Fox College, 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 Fox College, 65% of first-year students take on loan debt, at roughly $2,254 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $516, amounting to 9.4% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Fox College, 78% borrow through federal student loan programs, at an average of $5,856 a year. It comes to 1034.9% higher than the $516 borrowed by freshmen.
Repeating that yearly amount projects to about $11,712 across two years and $23,424 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $5,856 |
| Undergraduates with a federal loan | 185 |
| Total federal loans (one year) | $1,083,289 |
Graduating and withdrawing students at Fox College carry a median federal debt of $13,625 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,625 |
| Students who completed (graduates) | $16,209 |
| Students who withdrew | $4,504 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Fox College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $6,734 |
| 75th percentile | $16,058 |
| 90th percentile (highest-debt students) | $22,625 |
How wide this percentile range is tells you how much borrowing varies across students at Fox College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Fox College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 169 | $15,233 |
| Completed (graduates) | 138 | $18,354 |
| Did not complete | 31 | $9,966 |
On a standard 10-year plan, the median completing borrower would pay about $218.25/mo.
Federal data lets us separate Stafford borrowers from the rest at Fox College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 159 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Fox College.
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 Fox College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.9% |
| Borrowers in the cohort | 220 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $12,825 |
| High income | $13,623 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,623 |
| Continuing-generation students | $15,791 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $18,787 |
Federal data publishes the following gap measures for Fox 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.