by our College Data Analytics TeamHere you will find what students actually borrow to attend Kansas Wesleyan University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Kansas Wesleyan University, 75% of first-year students take on loan debt, for an average of $9,059 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,394, amounting to 98.1% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Kansas Wesleyan University, freshmen included, 71% rely on federal student loans toward their education, with a mean of $6,807 per year. That amounts to 26.2% above the $5,394 typical freshmen borrow.
At a steady annual pace, that totals around $13,614 in two years and roughly $27,228 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $6,807 |
| Undergraduates with a federal loan | 637 |
| Total federal loans (one year) | $4,335,983 |
Graduating and withdrawing students at Kansas Wesleyan University carry a median federal debt of $15,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $23,250 |
| Students who withdrew | $8,750 |
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 Kansas Wesleyan University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,241 |
| 25th percentile | $5,500 |
| 75th percentile | $23,000 |
| 90th percentile (highest-debt students) | $32,082 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Kansas Wesleyan University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Kansas Wesleyan University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 207 | $21,763 |
| Completed (graduates) | 100 | $27,546 |
| Did not complete | 107 | $17,970 |
On a standard 10-year plan, the median completing borrower would pay about $327.55/mo.
These figures turn the debt totals into a monthly repayment picture for Kansas Wesleyan 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 Kansas Wesleyan University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.9% |
| Borrowers in the cohort | 311 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $14,375 |
| Middle income | $16,557 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $13,547 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Kansas Wesleyan University.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
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.