by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Arkansas Grantham: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Grantham University, 93% of incoming undergraduates borrow in year one, with a typical loan of $7,909 per student, private and federal loans combined.
The average federally funded loan is $7,909. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Grantham University, 73% take out federal student loans, with a mean of $9,440 annually. This works out to 19.4% above the $7,909 borrowed by freshmen.
Repeating that yearly amount projects to about $18,880 over two years and about $37,760 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $9,440 |
| Undergraduates with a federal loan | 2,334 |
| Total federal loans (one year) | $22,032,309 |
The median student at Grantham University borrows $8,491 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,491 |
| Students who completed (graduates) | $21,956 |
| Students who withdrew | $5,946 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Grantham University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,710 |
| 25th percentile | $4,750 |
| 75th percentile | $19,000 |
| 90th percentile (highest-debt students) | $29,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Grantham University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Grantham University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 536 | $7,883 |
| Completed (graduates) | 187 | $7,840 |
| Did not complete | 349 | $7,912 |
On a standard 10-year plan, the median completing borrower would pay about $93.23/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 Grantham University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 289 | $7,912 |
| No Stafford loan this year | 247 | $7,840 |
These figures turn the debt totals into a monthly repayment picture for Grantham University.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,249 |
| Middle income | $10,470 |
| High income | $11,211 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,364 |
| Continuing-generation students | $10,600 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,647 |
Federal data publishes the following gap measures for Grantham University.
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.
Worth Knowing
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.