by our College Data Analytics TeamThis page focuses on the debt students take on to attend Lindsey Wilson College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Lindsey Wilson College specifically, 47% of incoming undergraduates borrow in year one, with a typical loan of $5,277 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,627, which is 84.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Lindsey Wilson College (freshmen included), 53% finance part of their studies with federal loans, for a typical $6,318 each per year. This works out to 36.5% more than the $4,627 freshmen take on.
Borrowing at that rate every year works out to about $12,636 after two years and $25,272 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $6,318 |
| Undergraduates with a federal loan | 872 |
| Total federal loans (one year) | $5,509,329 |
Graduating and withdrawing students at Lindsey Wilson College carry a median federal debt of $11,514 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,514 |
| Students who completed (graduates) | $16,784 |
| Students who withdrew | $6,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Lindsey Wilson College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $19,975 |
| 90th percentile (highest-debt students) | $27,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Lindsey Wilson College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Lindsey Wilson College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 197 | $10,000 |
| Completed (graduates) | 99 | $12,000 |
| Did not complete | 98 | $8,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $142.69/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Lindsey Wilson College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 176 | $9,998 |
| No Stafford loan this year | 21 | $10,869 |
These figures turn the debt totals into a monthly repayment picture for Lindsey Wilson College.
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 Lindsey Wilson College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 917 |
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 | $11,250 |
| Middle income | $11,147 |
| High income | $12,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,250 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,558 |
| Independent students | $15,250 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Lindsey Wilson College.
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?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.