by our College Data Analytics TeamThis page focuses on the debt students take on to attend Fremont University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Fremont College specifically, 65% of new students use loans toward freshman-year expenses, at roughly $9,977 per borrower, covering both private and federal loans.
The average federal loan is $9,977. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Fremont College, 67% finance part of their studies with federal loans, with a mean of $10,050 annually. This works out to 0.7% larger than the $9,977 typical freshmen borrow.
Borrowing at that rate every year works out to about $20,100 over two years and about $40,200 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $10,050 |
| Undergraduates with a federal loan | 165 |
| Total federal loans (one year) | $1,658,179 |
The median student at Fremont College borrows $20,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,000 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Fremont College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,167 |
| 25th percentile | $11,636 |
| 75th percentile | $23,500 |
| 90th percentile (highest-debt students) | $35,999 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Fremont College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Fremont College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $11,613 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Fremont College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Fremont College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.4% |
| Borrowers in the cohort | 243 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $20,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $20,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,917 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Fremont College.
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?
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.