by our College Data Analytics TeamHere you will find what students actually borrow to attend Kentucky Christian University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Kentucky Christian University specifically, 73% of freshmen borrow to help pay for their first year, at roughly $6,385 per student, private and federal loans combined.
The average federally funded loan is $4,958, or about 90.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 Kentucky Christian University, 71% finance part of their studies with federal loans, averaging $6,033 in federal loans per year. That amounts to 21.7% higher than the first-year federal average of $4,958.
Borrowing at that rate every year works out to about $12,066 after two years and $24,132 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $6,033 |
| Undergraduates with a federal loan | 310 |
| Total federal loans (one year) | $1,870,327 |
The median student at Kentucky Christian University borrows $8,510 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,510 |
| Students who completed (graduates) | $22,250 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Kentucky Christian University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $26,930 |
| 90th percentile (highest-debt students) | $34,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Kentucky Christian University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kentucky Christian University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 147 | $10,351 |
| Completed (graduates) | 43 | $18,540 |
| Did not complete | 104 | $8,669 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $220.46/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Kentucky Christian University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Kentucky Christian University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.9% |
| Borrowers in the cohort | 167 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,250 |
| Middle income | $8,171 |
| High income | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,250 |
| Continuing-generation students | $11,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $12,500 |
Federal data publishes the following gap measures for Kentucky Christian University.
The Difference Between 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?
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.