by our College Data Analytics TeamThis page focuses on the debt students take on to attend Kent State University at Trumbull, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Kent State University at Trumbull, 33% of incoming students take out a loan to help cover first-year costs, at roughly $5,300 each — a figure that counts both private and federal student loans.
The average federally funded loan is $5,300, amounting to 96.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Kent State University at Trumbull, 45% finance part of their studies with federal loans, for a typical $7,105 a year. That is 34.1% more than the $5,300 borrowed by freshmen.
At a steady annual pace, that totals around $14,210 after two years and $28,420 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $7,105 |
| Undergraduates with a federal loan | 379 |
| Total federal loans (one year) | $2,692,905 |
The median student at Kent State University at Trumbull borrows $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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Kent State University at Trumbull.
| 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 Trumbull.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kent State University at Trumbull.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Kent State University at Trumbull.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4476 | $19,155 |
| No Stafford loan | 48 | $14,843 |
Borrowers With a Stafford Loan This Year
| 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 Trumbull.
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 Trumbull follows.
| 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,500 |
| Middle income | $17,838 |
| High income | $17,500 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
Federal data publishes the following gap measures for Kent State University at Trumbull.
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.
Worth Knowing
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.