by our College Data Analytics TeamHere you will find what students actually borrow to attend Framingham State University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Framingham State, 64% of first-year students take on loan debt, with a typical loan of $7,024 per student, private and federal loans combined.
On the federal side, the average loan is $4,961, amounting to 90.2% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Framingham State, 57% finance part of their studies with federal loans, averaging $5,902 each per year. That amounts to 19.0% above the $4,961 freshmen take on.
Repeating that yearly amount projects to about $11,804 over two years and about $23,608 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $5,902 |
| Undergraduates with a federal loan | 1,432 |
| Total federal loans (one year) | $8,451,130 |
The middle borrower at Framingham State owes $17,224 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,224 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $9,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Framingham State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,700 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,227 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Framingham State.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Framingham State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 553 | $17,408 |
| Completed (graduates) | 286 | $20,284 |
| Did not complete | 267 | $13,600 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $241.2/mo.
Federal data lets us separate Stafford borrowers from the rest at Framingham State.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 446 | $16,921 |
| No Stafford loan this year | 107 | $19,473 |
The indicators below describe what the typical debt costs to pay back at Framingham State.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Framingham State is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 953 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $17,500 |
| Middle income | $17,500 |
| High income | $16,696 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,028 |
| Continuing-generation students | $15,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,096 |
| Independent students | $17,795 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Framingham State.
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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.