by our College Data Analytics TeamThis page focuses on the debt students take on to attend Louisiana Christian University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Louisiana College specifically, 69% of freshmen borrow to help pay for their first year, at roughly $6,418 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,412, which is 98.4% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Louisiana College (freshmen included), 63% finance part of their studies with federal loans, borrowing on average $6,327 annually. This is 16.9% above the $5,412 freshmen take on.
Borrowing at that rate every year works out to about $12,654 after two years and $25,308 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $6,327 |
| Undergraduates with a federal loan | 471 |
| Total federal loans (one year) | $2,980,003 |
Graduating and withdrawing students at Louisiana College carry a median federal debt of $11,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,000 |
| Students who completed (graduates) | $21,875 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Louisiana College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $22,500 |
| 90th percentile (highest-debt students) | $33,375 |
How wide this percentile range is tells you how much borrowing varies across students at Louisiana College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Louisiana College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 185 | $9,742 |
| Completed (graduates) | 74 | $9,943 |
| Did not complete | 111 | $9,400 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $118.23/mo.
Federal data lets us separate Stafford borrowers from the rest at Louisiana College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 170 | — |
| No Stafford loan this year | 15 | — |
These figures turn the debt totals into a monthly repayment picture for Louisiana College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Louisiana College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.3% |
| Borrowers in the cohort | 420 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $10,973 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,500 |
| Independent students | $14,190 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Louisiana College.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.