by our College Data Analytics TeamHere you will find what students actually borrow to attend Immaculata 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 Immaculata specifically, 71% of freshmen borrow to help pay for their first year, at roughly $10,307 per borrower, covering both private and federal loans.
The average federally funded loan is $5,204, which is 94.6% of the $5,500 first-year borrowing cap for the typical first-year 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 Immaculata, 61% borrow through federal student loan programs, for a typical $6,567 each per year. That amounts to 26.2% larger than the freshman federal average of $5,204.
At a steady annual pace, that totals around $13,134 across two years and $26,268 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $6,567 |
| Undergraduates with a federal loan | 768 |
| Total federal loans (one year) | $5,043,097 |
Graduating and withdrawing students at Immaculata carry a median federal debt of $19,560 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,560 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $10,542 |
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 Immaculata.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,775 |
| 25th percentile | $10,670 |
| 75th percentile | $29,065 |
| 90th percentile (highest-debt students) | $39,960 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Immaculata.
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 Immaculata.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 352 | $26,758 |
| Completed (graduates) | 198 | $34,053 |
| Did not complete | 154 | $20,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $404.93/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Immaculata.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 297 | $28,615 |
| No Stafford loan this year | 55 | $18,161 |
The indicators below describe what the typical debt costs to pay back at Immaculata.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Immaculata follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.6% |
| Borrowers in the cohort | 773 |
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 | $18,498 |
| Middle income | $20,000 |
| High income | $20,992 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $19,495 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $19,643 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Immaculata.
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.
Worth Knowing
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.