by our College Data Analytics TeamHere you will find what students actually borrow to attend Huntington University— 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.
At Huntington specifically, 49% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,772 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,118, which is 93.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Huntington, freshmen included, 49% rely on federal student loans toward their education, for a typical $6,461 annually. That amounts to 26.2% more than the $5,118 borrowed by freshmen.
At a steady annual pace, that totals around $12,922 over two years and about $25,844 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $6,461 |
| Undergraduates with a federal loan | 502 |
| Total federal loans (one year) | $3,243,476 |
The median student at Huntington borrows $18,127 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,127 |
| Students who completed (graduates) | $25,576 |
| Students who withdrew | $8,625 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Huntington.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,375 |
| 25th percentile | $9,437 |
| 75th percentile | $28,363 |
| 90th percentile (highest-debt students) | $38,240 |
How wide this percentile range is tells you how much borrowing varies across students at Huntington.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Huntington.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 148 | $20,048 |
| Completed (graduates) | 95 | $24,974 |
| Did not complete | 53 | $12,188 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $296.97/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 Huntington.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 135 | — |
| No Stafford loan this year | 13 | — |
These figures turn the debt totals into a monthly repayment picture for Huntington.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Huntington appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.0% |
| Borrowers in the cohort | 292 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,485 |
| Middle income | $19,410 |
| High income | $18,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,750 |
| Continuing-generation students | $18,419 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,750 |
| Independent students | $19,774 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Huntington.
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?
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.