by our College Data Analytics TeamThis page focuses on the debt students take on to attend Kent State University at Geauga: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Kent State University at Geauga, 48% of incoming undergraduates borrow in year one, averaging $5,698 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,077, or about 92.3% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Kent State University at Geauga, 47% borrow through federal student loan programs, for a typical $6,737 per year. This works out to 32.7% greater than the $5,077 typical freshmen borrow.
Repeating that yearly amount projects to about $13,474 in two years and roughly $26,948 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $6,737 |
| Undergraduates with a federal loan | 367 |
| Total federal loans (one year) | $2,472,654 |
The median student at Kent State University at Geauga borrows $17,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,500 |
| Students who completed (graduates) | $24,500 |
| Students who withdrew | $9,000 |
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 Kent State University at Geauga.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Kent State University at Geauga.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Kent State University at Geauga.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4524 | $19,131 |
| Completed (graduates) | 3009 | $21,394 |
| Did not complete | 1515 | $15,400 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $254.4/mo.
Federal data lets us separate Stafford borrowers from the rest at Kent State University at Geauga.
Any-Stafford Borrowers
| 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 |
These figures turn the debt totals into a monthly repayment picture for Kent State University at Geauga.
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 Kent State University at Geauga is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.8% |
| Borrowers in the cohort | 9889 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,500 |
| Middle income | $17,838 |
| High income | $17,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,500 |
| Continuing-generation students | $16,850 |
Dependency-Status Comparison
| 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 Geauga.
Subsidized vs. 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?
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.