by our College Data Analytics TeamHere you will find what students actually borrow to attend Hallmark University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Hallmark, 49% of incoming students take out a loan to help cover first-year costs, averaging $9,740 each, across private and federal loan sources.
The average federally funded loan is $9,740. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Hallmark, 60% rely on federal student loans toward their education, at an average of $11,733 annually. This is 20.5% above the freshman federal average of $9,740.
Carrying that yearly figure forward comes to roughly $23,466 in two years and roughly $46,932 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 | 60% |
| Average federal loan per year | $11,733 |
| Undergraduates with a federal loan | 602 |
| Total federal loans (one year) | $7,063,312 |
The median student at Hallmark borrows $18,989 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,989 |
| Students who completed (graduates) | $25,438 |
| Students who withdrew | $7,244 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Hallmark.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,234 |
| 25th percentile | $7,177 |
| 75th percentile | $21,016 |
| 90th percentile (highest-debt students) | $32,766 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Hallmark.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Hallmark.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 151 | $10,161 |
| Completed (graduates) | 98 | $14,004 |
| Did not complete | 53 | $6,493 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $166.52/mo.
These figures turn the debt totals into a monthly repayment picture for Hallmark.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Hallmark follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.4% |
| Borrowers in the cohort | 592 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $19,590 |
| Middle income | $19,230 |
| High income | $17,578 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,680 |
| Continuing-generation students | $16,742 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,597 |
| Independent students | $21,096 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Hallmark.
Subsidized vs. 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.