by our College Data Analytics TeamHere you will find what students actually borrow to attend Langston University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at Langston University, 52% of first-year students take on loan debt, with a typical loan of $8,112 per student, private and federal loans combined.
The average federal loan is $7,733. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Langston University, freshmen included, 60% finance part of their studies with federal loans, with a mean of $8,528 a year. That is 10.3% larger than the freshman federal average of $7,733.
Borrowing at that rate every year works out to about $17,056 after two years and $34,112 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $8,528 |
| Undergraduates with a federal loan | 1,047 |
| Total federal loans (one year) | $8,928,781 |
Graduating and withdrawing students at Langston University carry a median federal debt of $11,664 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,664 |
| Students who completed (graduates) | $26,000 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Langston University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $39,231 |
How wide this percentile range is tells you how much borrowing varies across students at Langston University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Langston University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 461 | $13,486 |
| Completed (graduates) | 112 | $18,175 |
| Did not complete | 349 | $12,167 |
On a standard 10-year plan, the median completing borrower would pay about $216.12/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 Langston University.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 451 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 431 | $13,966 |
| No Stafford loan this year | 30 | $6,698 |
These figures turn the debt totals into a monthly repayment picture for Langston University.
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 Langston University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.5% |
| Borrowers in the cohort | 938 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $11,000 |
| Middle income | $12,375 |
| High income | $11,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,000 |
| Continuing-generation students | $14,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $15,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Langston University.
Subsidized vs. 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.