by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Holy Family University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Holy Family, 72% of new students use loans toward freshman-year expenses, at roughly $8,146 per student, private and federal loans combined.
The average federal loan is $6,917. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Holy Family, freshmen included, 74% rely on federal student loans toward their education, with a mean of $8,542 a year. This is 23.5% above the $6,917 typical freshmen borrow.
At a steady annual pace, that totals around $17,084 in two years and roughly $34,168 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $8,542 |
| Undergraduates with a federal loan | 1,700 |
| Total federal loans (one year) | $14,521,263 |
The median student at Holy Family borrows $21,175 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,175 |
| Students who completed (graduates) | $25,125 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Holy Family.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,983 |
| 75th percentile | $27,750 |
| 90th percentile (highest-debt students) | $34,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Holy Family.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Holy Family.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 591 | $18,600 |
| Completed (graduates) | 425 | $20,500 |
| Did not complete | 166 | $15,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $243.77/mo.
Federal data lets us separate Stafford borrowers from the rest at Holy Family.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 490 | $18,835 |
| No Stafford loan this year | 101 | $17,734 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Holy Family.
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 Holy Family appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.5% |
| Borrowers in the cohort | 853 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $20,000 |
| Middle income | $21,750 |
| High income | $21,245 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $21,377 |
| Continuing-generation students | $20,161 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $21,500 |
| Independent students | $20,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Holy Family.
The Difference Between Subsidized and 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.