by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Lynchburg— 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.
Among first-year students at Lynchburg, 75% of first-year students take on loan debt, with a typical loan of $6,853 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,390, which is 98.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Lynchburg, freshmen included, 75% take out federal student loans, for a typical $6,654 a year. It comes to 23.5% more than the $5,390 borrowed by freshmen.
Repeating that yearly amount projects to about $13,308 over two years and about $26,616 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $6,654 |
| Undergraduates with a federal loan | 1,200 |
| Total federal loans (one year) | $7,984,656 |
The middle borrower at Lynchburg owes $22,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $22,500 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $8,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Lynchburg.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $10,000 |
| 75th percentile | $29,000 |
| 90th percentile (highest-debt students) | $38,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Lynchburg.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Lynchburg.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 426 | $25,540 |
| Completed (graduates) | 273 | $31,450 |
| Did not complete | 153 | $17,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $373.97/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Lynchburg.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 386 | $26,001 |
| No Stafford loan this year | 40 | $18,619 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Lynchburg.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Lynchburg appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 608 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $25,000 |
| Middle income | $24,896 |
| High income | $20,948 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,747 |
| Continuing-generation students | $21,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $21,500 |
| Independent students | $30,414 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Lynchburg.
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
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.