by our College Data Analytics TeamThis page focuses on the debt students take on to attend Gwinnett Institute: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Gwinnett Institute specifically, 100% of incoming students take out a loan to help cover first-year costs, at roughly $5,521 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,521. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Gwinnett Institute, 100% take out federal student loans, averaging $5,325 in federal loans per year. It comes to 3.6% smaller than the $5,521 freshmen take on.
Carrying that yearly figure forward comes to roughly $10,650 in two years and roughly $21,300 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 100% |
| Average federal loan per year | $5,325 |
| Undergraduates with a federal loan | 459 |
| Total federal loans (one year) | $2,444,324 |
Graduating and withdrawing students at Gwinnett Institute carry a median federal debt of $13,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,000 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Gwinnett Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,886 |
| 25th percentile | $5,500 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $23,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Gwinnett Institute.
The indicators below describe what the typical debt costs to pay back at Gwinnett Institute.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Gwinnett Institute appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.3% |
| Borrowers in the cohort | 324 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $13,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,940 |
| Continuing-generation students | $13,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $13,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Gwinnett Institute.
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.