by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Gupton Jones College of Funeral Service, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Gupton Jones College of Funeral Service, 30% of incoming undergraduates borrow in year one, for an average of $1,305 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $957, representing 17.4% of the typical first-year dependent student borrowing cap of $5,500. 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 Gupton Jones College of Funeral Service, freshmen included, 22% use federal student loans to help pay for their education, at an average of $2,541 a year. This works out to 165.5% above the $957 typical freshmen borrow.
At a steady annual pace, that totals around $5,082 in two years and roughly $10,164 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 22% |
| Average federal loan per year | $2,541 |
| Undergraduates with a federal loan | 101 |
| Total federal loans (one year) | $256,658 |
The median student at Gupton Jones College of Funeral Service borrows $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $16,417 |
| Students who withdrew | $6,333 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Gupton Jones College of Funeral Service.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $4,160 |
| 75th percentile | $16,042 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Gupton Jones College of Funeral Service.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Gupton Jones College of Funeral Service.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 34 | $9,247 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Gupton Jones College of Funeral Service.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Gupton Jones College of Funeral Service follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.6% |
| Borrowers in the cohort | 156 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $11,332 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,334 |
| Independent students | $10,813 |
Federal data publishes the following gap measures for Gupton Jones College of Funeral Service.
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.
Worth Knowing
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.