by our College Data Analytics TeamHere you will find what students actually borrow to attend Loma Linda University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Across the full undergraduate body at Loma Linda University (freshmen included), 73% rely on federal student loans toward their education, with a mean of $11,111 in federal loans per year.
Borrowing at that rate every year works out to about $22,222 over two years and about $44,444 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 | 73% |
| Average federal loan per year | $11,111 |
| Undergraduates with a federal loan | 629 |
| Total federal loans (one year) | $6,988,627 |
The middle borrower at Loma Linda University owes $17,014 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,014 |
| Students who completed (graduates) | $20,854 |
| Students who withdrew | $12,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Loma Linda University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,200 |
| 25th percentile | $6,175 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $32,930 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Loma Linda University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Loma Linda University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 574 | $22,191 |
| Completed (graduates) | 385 | $24,903 |
| Did not complete | 189 | $19,540 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $296.12/mo.
Federal data lets us separate Stafford borrowers from the rest at Loma Linda University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 485 | $24,142 |
| No Stafford loan this year | 89 | $17,666 |
The indicators below describe what the typical debt costs to pay back at Loma Linda University.
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 Loma Linda University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.8% |
| Borrowers in the cohort | 1066 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $21,000 |
| Middle income | $18,088 |
| High income | $15,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,086 |
| Continuing-generation students | $15,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $22,593 |
Federal data publishes the following gap measures for Loma Linda University.
Subsidized vs. 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.
Important to Remember
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.