by our College Data Analytics TeamThis page focuses on the debt students take on to attend Herzing University-Atlanta, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Herzing University - Atlanta, 43% of new students use loans toward freshman-year expenses, borrowing on average $8,525 per student, private and federal loans combined.
On the federal side, the average loan is $8,525. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Herzing University - Atlanta, 79% finance part of their studies with federal loans, with a mean of $8,899 each per year. This works out to 4.4% above the freshman federal average of $8,525.
Carrying that yearly figure forward comes to roughly $17,798 across two years and $35,596 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $8,899 |
| Undergraduates with a federal loan | 395 |
| Total federal loans (one year) | $3,514,998 |
Graduating and withdrawing students at Herzing University - Atlanta carry a median federal debt of $11,756 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,756 |
| Students who completed (graduates) | $21,500 |
| Students who withdrew | $6,862 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Herzing University - Atlanta.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,466 |
| 25th percentile | $4,750 |
| 75th percentile | $23,024 |
| 90th percentile (highest-debt students) | $34,866 |
How wide this percentile range is tells you how much borrowing varies across students at Herzing University - Atlanta.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Herzing University - Atlanta.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1056 | $9,358 |
| Completed (graduates) | 533 | $10,400 |
| Did not complete | 523 | $8,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $123.67/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 Herzing University - Atlanta.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1045 | — |
| No Stafford loan | 11 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 946 | $9,295 |
| No Stafford loan this year | 110 | $10,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Herzing University - Atlanta.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Herzing University - Atlanta is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 5337 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $10,662 |
| Middle income | $13,130 |
| High income | $15,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,350 |
| Continuing-generation students | $14,080 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $12,018 |
Federal data publishes the following gap measures for Herzing University - Atlanta.
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.
Important to Remember
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.