by our College Data Analytics TeamThis page focuses on the debt students take on to attend Indiana University-Southeast— 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.
Looking at the entering class at Indiana University - Southeast, 28% of freshmen borrow to help pay for their first year, for an average of $5,538 per student, private and federal loans combined.
On the federal side, the average loan is $4,788, or about 87.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Indiana University - Southeast, 31% take out federal student loans, averaging $6,049 per year. This is 26.3% greater than the $4,788 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $12,098 across two years and $24,196 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 31% |
| Average federal loan per year | $6,049 |
| Undergraduates with a federal loan | 964 |
| Total federal loans (one year) | $5,831,214 |
Graduating and withdrawing students at Indiana University - Southeast carry a median federal debt of $11,650 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,650 |
| Students who completed (graduates) | $19,684 |
| Students who withdrew | $8,665 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Indiana University - Southeast.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,728 |
| 25th percentile | $5,380 |
| 75th percentile | $22,428 |
| 90th percentile (highest-debt students) | $33,117 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Indiana University - Southeast.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Indiana University - Southeast.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 402 | $10,359 |
| Completed (graduates) | 89 | $10,909 |
| Did not complete | 313 | $10,352 |
On a standard 10-year plan, the median completing borrower would pay about $129.72/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 Indiana University - Southeast.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 391 | — |
| No Stafford loan | 11 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 274 | $9,341 |
| No Stafford loan this year | 128 | $15,808 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Indiana University - Southeast.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Indiana University - Southeast appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.7% |
| Borrowers in the cohort | 1491 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,445 |
| Middle income | $10,500 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,536 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,009 |
| Independent students | $15,250 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Indiana University - Southeast.
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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.