by our College Data Analytics TeamHere you will find what students actually borrow to attend Gwinnett College-Marietta Campus, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Gwinnett College - Marietta Campus, 92% of freshmen borrow to help pay for their first year, at roughly $5,723 per student, private and federal loans combined.
The average federal loan is $5,723. That is at or past the $5,500 federal first-year limit 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 Gwinnett College - Marietta Campus, 89% rely on federal student loans toward their education, averaging $8,860 a year. It comes to 54.8% greater than the $5,723 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $17,720 by year two and around $35,440 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 89% |
| Average federal loan per year | $8,860 |
| Undergraduates with a federal loan | 410 |
| Total federal loans (one year) | $3,632,653 |
Graduating and withdrawing students at Gwinnett College - Marietta Campus carry a median federal debt of $7,815 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,815 |
| Students who completed (graduates) | $12,498 |
| Students who withdrew | $5,284 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Gwinnett College - Marietta Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,334 |
| 75th percentile | $14,801 |
| 90th percentile (highest-debt students) | $19,405 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Gwinnett College - Marietta Campus.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Gwinnett College - Marietta Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $8,505 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Gwinnett College - Marietta Campus.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Gwinnett College - Marietta Campus appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.9% |
| Borrowers in the cohort | 1238 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,529 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,873 |
| Continuing-generation students | $7,417 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,529 |
| Independent students | $8,240 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Gwinnett College - Marietta Campus.
Subsidized vs. 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
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.