by our College Data Analytics TeamHere you will find what students actually borrow to attend Herzing University-Orlando— 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.
For incoming students at Herzing University - Winter Park, 87% of incoming students take out a loan to help cover first-year costs, with a typical loan of $8,126 per student, private and federal loans combined.
The average federal loan is $7,779. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Herzing University - Winter Park (freshmen included), 81% borrow through federal student loan programs, averaging $8,203 a year. This works out to 5.5% larger than the $7,779 freshmen take on.
Borrowing at that rate every year works out to about $16,406 over two years and about $32,812 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $8,203 |
| Undergraduates with a federal loan | 567 |
| Total federal loans (one year) | $4,651,268 |
The median student at Herzing University - Winter Park borrows $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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Herzing University - Winter Park.
| 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 - Winter Park.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Herzing University - Winter Park.
| 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 - Winter Park.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1045 | — |
| No Stafford loan | 11 | — |
Borrowers With a Stafford Loan This Year
| 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 - Winter Park.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Herzing University - Winter Park 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.
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-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,350 |
| Continuing-generation students | $14,080 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $12,018 |
Federal data publishes the following gap measures for Herzing University - Winter Park.
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
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.