by our College Data Analytics TeamHere you will find what students actually borrow to attend Fresno Pacific 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.
Among first-year students at Fresno Pacific, 48% of first-year students take on loan debt, borrowing on average $4,782 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,174, representing 75.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Fresno Pacific, freshmen included, 66% finance part of their studies with federal loans, at an average of $8,946 a year. That amounts to 114.3% more than the $4,174 borrowed by freshmen.
Borrowing at that rate every year works out to about $17,892 over two years and about $35,784 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $8,946 |
| Undergraduates with a federal loan | 1,069 |
| Total federal loans (one year) | $9,563,462 |
Graduating and withdrawing students at Fresno Pacific carry a median federal debt of $19,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,250 |
| Students who completed (graduates) | $23,146 |
| Students who withdrew | $16,388 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Fresno Pacific.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $8,734 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $32,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Fresno Pacific.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Fresno Pacific.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 304 | $10,500 |
| Completed (graduates) | 125 | $10,725 |
| Did not complete | 179 | $10,277 |
On a standard 10-year plan, the median completing borrower would pay about $127.53/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 Fresno Pacific.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 253 | $10,500 |
| No Stafford loan this year | 51 | $9,953 |
These figures turn the debt totals into a monthly repayment picture for Fresno Pacific.
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 Fresno Pacific is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 1122 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $19,500 |
| Middle income | $19,000 |
| High income | $18,750 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,548 |
| Continuing-generation students | $17,950 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,945 |
| Independent students | $22,000 |
Federal data publishes the following gap measures for Fresno Pacific.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
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.