by our College Data Analytics TeamHere you will find what students actually borrow to attend Herzing University-Tampa: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Herzing University-Tampa, 100% of freshmen borrow to help pay for their first year, averaging $5,768 per borrower, covering both private and federal loans.
The average federally funded loan is $5,768. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Herzing University-Tampa (freshmen included), 80% take out federal student loans, at an average of $8,469 per year. That is 46.8% larger than the freshman federal average of $5,768.
Carrying that yearly figure forward comes to roughly $16,938 by year two and around $33,876 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $8,469 |
| Undergraduates with a federal loan | 189 |
| Total federal loans (one year) | $1,600,654 |
The median student at Herzing University-Tampa borrows $11,756 of cumulative federal debt.
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Herzing University-Tampa.
| 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-Tampa.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Herzing University-Tampa.
| 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-Tampa.
Any-Stafford Borrowers
| 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 |
The indicators below describe what the typical debt costs to pay back at Herzing University-Tampa.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Herzing University-Tampa is shown below.
| 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| 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-Tampa.
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
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.