by our College Data Analytics TeamThis page focuses on the debt students take on to attend Louisiana State University-Shreveport— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Louisiana State University - Shreveport, 22% of new students use loans toward freshman-year expenses, with a typical loan of $5,169 per borrower, covering both private and federal loans.
The average federal loan is $5,169, which is 94.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Louisiana State University - Shreveport, freshmen included, 35% take out federal student loans, with a mean of $7,783 a year. This works out to 50.6% higher than the $5,169 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $15,566 by year two and around $31,132 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 35% |
| Average federal loan per year | $7,783 |
| Undergraduates with a federal loan | 745 |
| Total federal loans (one year) | $5,798,317 |
The middle borrower at Louisiana State University - Shreveport owes $15,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $22,500 |
| Students who withdrew | $10,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Louisiana State University - Shreveport.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,072 |
| 25th percentile | $5,500 |
| 75th percentile | $23,106 |
| 90th percentile (highest-debt students) | $35,353 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Louisiana State University - Shreveport.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Louisiana State University - Shreveport.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1466 | $12,000 |
| Completed (graduates) | 239 | $14,730 |
| Did not complete | 1227 | $11,745 |
On a standard 10-year plan, the median completing borrower would pay about $175.16/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 Louisiana State University - Shreveport.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 897 | $11,145 |
| No Stafford loan this year | 569 | $13,533 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Louisiana State University - Shreveport.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Louisiana State University - Shreveport appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.9% |
| Borrowers in the cohort | 889 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $16,116 |
| Middle income | $15,142 |
| High income | $13,113 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,372 |
| Independent students | $18,143 |
Federal data publishes the following gap measures for Louisiana State University - Shreveport.
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.
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.