by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Jacksonville State University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Jacksonville State University specifically, 57% of incoming students take out a loan to help cover first-year costs, averaging $7,882 per student, private and federal loans combined.
Federal loans alone average $7,165. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Jacksonville State University, 53% use federal student loans to help pay for their education, with a mean of $8,226 per year. That amounts to 14.8% higher than the $7,165 freshmen take on.
At a steady annual pace, that totals around $16,452 by year two and around $32,904 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $8,226 |
| Undergraduates with a federal loan | 3,705 |
| Total federal loans (one year) | $30,475,633 |
Graduating and withdrawing students at Jacksonville State University carry a median federal debt of $14,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,000 |
| Students who completed (graduates) | $22,189 |
| Students who withdrew | $7,845 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Jacksonville State University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,522 |
| 25th percentile | $6,750 |
| 75th percentile | $28,666 |
| 90th percentile (highest-debt students) | $41,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Jacksonville State 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 Jacksonville State University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 839 | $11,408 |
| Completed (graduates) | 397 | $13,672 |
| Did not complete | 442 | $9,591 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $162.57/mo.
Federal data lets us separate Stafford borrowers from the rest at Jacksonville State University.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 826 | — |
| No Stafford loan | 13 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 770 | $11,328 |
| No Stafford loan this year | 69 | $11,600 |
The indicators below describe what the typical debt costs to pay back at Jacksonville State University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Jacksonville State University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.7% |
| Borrowers in the cohort | 2450 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,000 |
| Middle income | $14,250 |
| High income | $14,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,418 |
| Continuing-generation students | $12,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,225 |
| Independent students | $17,601 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Jacksonville State University.
Subsidized vs. 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.
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.