by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Herzing University-Nashville— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Herzing University-Nashville, 85% of incoming students take out a loan to help cover first-year costs, borrowing on average $10,424 per student, private and federal loans combined.
Federal loans alone average $10,253. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Herzing University-Nashville, 93% borrow through federal student loan programs, borrowing on average $10,513 per year. It comes to 2.5% larger than the first-year federal average of $10,253.
At a steady annual pace, that totals around $21,026 by year two and around $42,052 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 93% |
| Average federal loan per year | $10,513 |
| Undergraduates with a federal loan | 70 |
| Total federal loans (one year) | $735,941 |
Graduating and withdrawing students at Herzing University-Nashville carry a median federal debt of $11,756 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,756 |
| Students who completed (graduates) | $21,500 |
| Students who withdrew | $6,862 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Herzing University-Nashville.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Herzing University-Nashville.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Herzing University-Nashville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1056 | $9,358 |
| Completed (graduates) | 533 | $10,400 |
| Did not complete | 523 | $8,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $123.67/mo.
Federal data lets us separate Stafford borrowers from the rest at Herzing University-Nashville.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1045 | — |
| No Stafford loan | 11 | — |
Current-Year Stafford Borrowers
| 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-Nashville.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Herzing University-Nashville appears 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.
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 | $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 |
By Dependency Status
| 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-Nashville.
Subsidized vs. 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?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.