by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Hill College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Hill College, 41% of freshmen borrow to help pay for their first year, for an average of $4,991 each, across private and federal loan sources.
On the federal side, the average loan is $4,994, equal to roughly 90.8% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Hill College, 30% finance part of their studies with federal loans, borrowing on average $5,624 annually. It comes to 12.6% higher than the first-year federal average of $4,994.
At a steady annual pace, that totals around $11,248 over two years and about $22,496 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $5,624 |
| Undergraduates with a federal loan | 673 |
| Total federal loans (one year) | $3,785,109 |
Graduating and withdrawing students at Hill College carry a median federal debt of $8,088 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,088 |
| Students who completed (graduates) | $10,000 |
| Students who withdrew | $6,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Hill College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,166 |
| 75th percentile | $12,438 |
| 90th percentile (highest-debt students) | $22,239 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Hill College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Hill College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 286 | $13,967 |
| Completed (graduates) | 40 | $10,435 |
| Did not complete | 246 | $15,075 |
On a standard 10-year plan, the median completing borrower would pay about $124.08/mo.
Federal data lets us separate Stafford borrowers from the rest at Hill College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 270 | — |
| No Stafford loan | 16 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 44 | $9,191 |
| No Stafford loan this year | 242 | $16,453 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Hill College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Hill College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.8% |
| Borrowers in the cohort | 510 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $6,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $6,125 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Hill College.
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.