by our College Data Analytics TeamBelow is federal data on the loans students use to pay for La Roche University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At La Roche, 56% of freshmen borrow to help pay for their first year, borrowing on average $9,557 each — a figure that counts both private and federal student loans.
Federal loans alone average $6,348. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at La Roche, 57% rely on federal student loans toward their education, borrowing on average $9,940 each per year. That is 56.6% above the $6,348 borrowed by freshmen.
Borrowing at that rate every year works out to about $19,880 across two years and $39,760 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 | 57% |
| Average federal loan per year | $9,940 |
| Undergraduates with a federal loan | 427 |
| Total federal loans (one year) | $4,244,304 |
The median student at La Roche borrows $19,470 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,470 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $8,250 |
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 La Roche.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,761 |
| 25th percentile | $8,190 |
| 75th percentile | $27,475 |
| 90th percentile (highest-debt students) | $32,596 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at La Roche.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at La Roche.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 234 | $21,029 |
| Completed (graduates) | 153 | $27,867 |
| Did not complete | 81 | $13,165 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $331.37/mo.
Federal data lets us separate Stafford borrowers from the rest at La Roche.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 219 | — |
| No Stafford loan this year | 15 | — |
These figures turn the debt totals into a monthly repayment picture for La Roche.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for La Roche appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.9% |
| Borrowers in the cohort | 426 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $17,822 |
| Middle income | $20,329 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,500 |
| Continuing-generation students | $18,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,147 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at La Roche.
The Difference Between 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.
Worth Knowing
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.