by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kent State University at Tuscarawas: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Kent State University at Tuscarawas, 48% of first-year students take on loan debt, borrowing on average $5,368 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,368, equal to roughly 97.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Kent State University at Tuscarawas, 50% borrow through federal student loan programs, at an average of $6,750 each per year. This works out to 25.7% greater than the freshman federal average of $5,368.
Carrying that yearly figure forward comes to roughly $13,500 by year two and around $27,000 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 | 50% |
| Average federal loan per year | $6,750 |
| Undergraduates with a federal loan | 440 |
| Total federal loans (one year) | $2,970,105 |
The median student at Kent State University at Tuscarawas 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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Kent State University at Tuscarawas.
| 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 Tuscarawas.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kent State University at Tuscarawas.
| 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.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Kent State University at Tuscarawas.
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 |
The indicators below describe what the typical debt costs to pay back at Kent State University at Tuscarawas.
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 Tuscarawas appears 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,328 |
| Independent students | $18,751 |
Federal data publishes the following gap measures for Kent State University at Tuscarawas.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.