by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Glenville State University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Glenville State College specifically, 85% of incoming undergraduates borrow in year one, with a typical loan of $4,323 per student, private and federal loans combined.
The average federally funded loan is $3,810, representing 69.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Glenville State College, 58% take out federal student loans, at an average of $5,415 each per year. This is 42.1% more than the $3,810 typical freshmen borrow.
Repeating that yearly amount projects to about $10,830 by year two and around $21,660 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 | 58% |
| Average federal loan per year | $5,415 |
| Undergraduates with a federal loan | 694 |
| Total federal loans (one year) | $3,757,857 |
The middle borrower at Glenville State College owes $11,123 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,123 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Glenville State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $24,250 |
| 90th percentile (highest-debt students) | $34,501 |
How wide this percentile range is tells you how much borrowing varies across students at Glenville State College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Glenville State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 86 | $11,405 |
| Completed (graduates) | 36 | $11,776 |
| Did not complete | 50 | $11,096 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $140.03/mo.
These figures turn the debt totals into a monthly repayment picture for Glenville State College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Glenville State College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.2% |
| Borrowers in the cohort | 429 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,250 |
| Middle income | $12,000 |
| High income | $11,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $9,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Glenville State 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.
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.