by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kent State University at East Liverpool, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Kent State University at East Liverpool, 55% of incoming undergraduates borrow in year one, for an average of $3,938 each, across private and federal loan sources.
The average federal loan is $3,938, or about 71.6% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Kent State University at East Liverpool, freshmen included, 59% finance part of their studies with federal loans, borrowing on average $6,801 annually. This works out to 72.7% above the freshman federal average of $3,938.
Borrowing at that rate every year works out to about $13,602 by year two and around $27,204 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 59% |
| Average federal loan per year | $6,801 |
| Undergraduates with a federal loan | 140 |
| Total federal loans (one year) | $952,183 |
Graduating and withdrawing students at Kent State University at East Liverpool carry a median federal debt of $17,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,500 |
| Students who completed (graduates) | $24,500 |
| Students who withdrew | $9,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Kent State University at East Liverpool.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,325 |
| 25th percentile | $6,251 |
| 75th percentile | $29,000 |
| 90th percentile (highest-debt students) | $42,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Kent State University at East Liverpool.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Kent State University at East Liverpool.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4524 | $19,131 |
| Completed (graduates) | 3009 | $21,394 |
| Did not complete | 1515 | $15,400 |
On a standard 10-year plan, the median completing borrower would pay about $254.4/mo.
Federal data lets us separate Stafford borrowers from the rest at Kent State University at East Liverpool.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4476 | $19,155 |
| No Stafford loan | 48 | $14,843 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 4060 | $19,280 |
| No Stafford loan this year | 464 | $17,840 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Kent State University at East Liverpool.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Kent State University at East Liverpool is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.8% |
| Borrowers in the cohort | 9889 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,500 |
| Middle income | $17,838 |
| High income | $17,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,500 |
| Continuing-generation students | $16,850 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,328 |
| Independent students | $18,751 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Kent State University at East Liverpool.
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?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.