by our College Data Analytics TeamHere you will find what students actually borrow to attend Frostburg State University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Frostburg State specifically, 52% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,411 per borrower, covering both private and federal loans.
The average federally funded loan is $5,064, amounting to 92.1% of the $5,500 first-year borrowing cap for the typical first-year 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 Frostburg State, 44% use federal student loans to help pay for their education, at an average of $6,178 per year. That is 22.0% above the $5,064 freshmen take on.
Borrowing the same amount each year would add up to roughly $12,356 across two years and $24,712 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $6,178 |
| Undergraduates with a federal loan | 1,258 |
| Total federal loans (one year) | $7,771,726 |
The middle borrower at Frostburg State owes $14,867 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,867 |
| Students who completed (graduates) | $21,105 |
| Students who withdrew | $8,250 |
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 Frostburg State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $6,500 |
| 75th percentile | $25,485 |
| 90th percentile (highest-debt students) | $31,613 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Frostburg State.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Frostburg State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 713 | $17,268 |
| Completed (graduates) | 383 | $21,004 |
| Did not complete | 330 | $14,835 |
On a standard 10-year plan, the median completing borrower would pay about $249.76/mo.
Federal data lets us separate Stafford borrowers from the rest at Frostburg State.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 699 | — |
| No Stafford loan | 14 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 610 | $17,997 |
| No Stafford loan this year | 103 | $15,390 |
The indicators below describe what the typical debt costs to pay back at Frostburg State.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Frostburg State appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.2% |
| Borrowers in the cohort | 1141 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $14,750 |
| High income | $14,596 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $14,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $13,752 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Frostburg State.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.