by our College Data Analytics TeamHere you will find what students actually borrow to attend Herzing University-Brookfield— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Herzing University - Brookfield specifically, 91% of incoming students take out a loan to help cover first-year costs, at roughly $8,617 each, across private and federal loan sources.
On the federal side, the average loan is $7,343. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Herzing University - Brookfield, 84% rely on federal student loans toward their education, averaging $7,982 a year. It comes to 8.7% larger than the $7,343 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $15,964 over two years and about $31,928 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $7,982 |
| Undergraduates with a federal loan | 318 |
| Total federal loans (one year) | $2,538,381 |
The middle borrower at Herzing University - Brookfield owes $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Herzing University - Brookfield.
| 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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Herzing University - Brookfield.
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 Herzing University - Brookfield.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Herzing University - Brookfield.
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 |
These figures turn the debt totals into a monthly repayment picture for Herzing University - Brookfield.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Herzing University - Brookfield follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 5337 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $10,662 |
| Middle income | $13,130 |
| High income | $15,250 |
First-Generation Comparison
| 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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Herzing University - Brookfield.
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
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.