by our College Data Analytics TeamThis page focuses on the debt students take on to attend Kent State University at Stark, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Kent State University at Stark, 46% of new students use loans toward freshman-year expenses, for an average of $5,201 per student, private and federal loans combined.
On the federal side, the average loan is $4,944, equal to roughly 89.9% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Kent State University at Stark, 50% take out federal student loans, with a mean of $6,635 each per year. That is 34.2% higher than the $4,944 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $13,270 over two years and about $26,540 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 | 50% |
| Average federal loan per year | $6,635 |
| Undergraduates with a federal loan | 832 |
| Total federal loans (one year) | $5,520,071 |
Graduating and withdrawing students at Kent State University at Stark 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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Kent State University at Stark.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Kent State University at Stark.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Kent State University at Stark.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4524 | $19,131 |
| Completed (graduates) | 3009 | $21,394 |
| Did not complete | 1515 | $15,400 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $254.4/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Kent State University at Stark.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4476 | $19,155 |
| No Stafford loan | 48 | $14,843 |
Stafford This Year vs Not
| 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 Stark.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Kent State University at Stark is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.8% |
| Borrowers in the cohort | 9889 |
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.
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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Kent State University at Stark.
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.
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.