by our College Data Analytics TeamHere you will find what students actually borrow to attend Jarvis Christian University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at The Bulldogs, 64% of new students use loans toward freshman-year expenses, for an average of $5,826 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,697. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at The Bulldogs, 52% take out federal student loans, averaging $6,681 annually. That is 17.3% larger than the $5,697 borrowed by freshmen.
Repeating that yearly amount projects to about $13,362 across two years and $26,724 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $6,681 |
| Undergraduates with a federal loan | 382 |
| Total federal loans (one year) | $2,552,235 |
Graduating and withdrawing students at The Bulldogs carry a median federal debt of $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $9,500 |
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 The Bulldogs.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $24,651 |
| 90th percentile (highest-debt students) | $40,207 |
How wide this percentile range is tells you how much borrowing varies across students at The Bulldogs.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for The Bulldogs.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 147 | $9,000 |
| Completed (graduates) | 44 | $10,065 |
| Did not complete | 103 | $8,281 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $119.68/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. The Bulldogs.
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 The Bulldogs follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 31.2% |
| Borrowers in the cohort | 282 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $11,598 |
| High income | $14,991 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $11,875 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $12,500 |
Federal data publishes the following gap measures for The Bulldogs.
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.
Important to Remember
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.