by our College Data Analytics TeamHere you will find what students actually borrow to attend Humphreys University-Stockton and Modesto Campuses— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Humphreys University, 0% of freshmen borrow to help pay for their first year.
For undergraduates overall at Humphreys University, 61% finance part of their studies with federal loans, with a mean of $10,408 in federal loans per year.
Carrying that yearly figure forward comes to roughly $20,816 across two years and $41,632 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 | 61% |
| Average federal loan per year | $10,408 |
| Undergraduates with a federal loan | 97 |
| Total federal loans (one year) | $1,009,595 |
The median student at Humphreys University borrows $25,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $25,000 |
| Students who completed (graduates) | $35,500 |
| Students who withdrew | $14,966 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Humphreys University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $7,601 |
| 75th percentile | $37,168 |
| 90th percentile (highest-debt students) | $50,084 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Humphreys University.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Humphreys University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 62 | $12,846 |
| Completed (graduates) | 30 | $14,033 |
| Did not complete | 32 | $11,132 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $166.87/mo.
These figures turn the debt totals into a monthly repayment picture for Humphreys University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Humphreys University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.8% |
| Borrowers in the cohort | 435 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $25,529 |
| Middle income | $22,775 |
| High income | $19,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $25,000 |
| Continuing-generation students | $26,030 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $21,858 |
| Independent students | $25,780 |
Federal data publishes the following gap measures for Humphreys University.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.