by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Huston-Tillotson 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.
Among first-year students at Huston - Tillotson University, 96% of new students use loans toward freshman-year expenses, at roughly $5,966 each — a figure that counts both private and federal student loans.
The average federal loan is $5,808. This reaches or tops the $5,500 first-year federal borrowing cap 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.
Counting every undergraduate at Huston - Tillotson University, 69% use federal student loans to help pay for their education, borrowing on average $4,175 annually. That is 28.1% less than the freshman federal average of $5,808.
At a steady annual pace, that totals around $8,350 after two years and $16,700 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 | 69% |
| Average federal loan per year | $4,175 |
| Undergraduates with a federal loan | 678 |
| Total federal loans (one year) | $2,830,751 |
Graduating and withdrawing students at Huston - Tillotson University carry a median federal debt of $15,999 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,999 |
| Students who completed (graduates) | $30,750 |
| Students who withdrew | $14,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Huston - Tillotson University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $6,500 |
| 75th percentile | $31,000 |
| 90th percentile (highest-debt students) | $43,531 |
How wide this percentile range is tells you how much borrowing varies across students at Huston - Tillotson University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Huston - Tillotson University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 194 | $12,316 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Huston - Tillotson University.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 184 | — |
| No Stafford loan this year | 10 | — |
These figures turn the debt totals into a monthly repayment picture for Huston - Tillotson University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Huston - Tillotson University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.6% |
| Borrowers in the cohort | 357 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $17,500 |
| High income | $17,126 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $15,492 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,666 |
| Independent students | $23,832 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Huston - Tillotson University.
The Difference Between Subsidized and 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.
Worth Knowing
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.