by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Madonna University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Madonna, 64% of new students use loans toward freshman-year expenses, for an average of $6,119 per student, private and federal loans combined.
The average federally funded loan is $5,011, amounting to 91.1% 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 Madonna (freshmen included), 58% borrow through federal student loan programs, averaging $6,946 each per year. It comes to 38.6% greater than the $5,011 borrowed by freshmen.
At a steady annual pace, that totals around $13,892 after two years and $27,784 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 | 58% |
| Average federal loan per year | $6,946 |
| Undergraduates with a federal loan | 949 |
| Total federal loans (one year) | $6,591,799 |
The median student at Madonna borrows $19,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,000 |
| Students who completed (graduates) | $23,000 |
| Students who withdrew | $10,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Madonna.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $10,500 |
| 75th percentile | $33,250 |
| 90th percentile (highest-debt students) | $45,540 |
How wide this percentile range is tells you how much borrowing varies across students at Madonna.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Madonna.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 374 | $18,513 |
| Completed (graduates) | 222 | $23,657 |
| Did not complete | 152 | $13,544 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $281.31/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 Madonna.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 326 | $19,909 |
| No Stafford loan this year | 48 | $14,027 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Madonna.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Madonna follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.0% |
| Borrowers in the cohort | 985 |
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 | $20,396 |
| Middle income | $19,919 |
| High income | $16,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,250 |
| Continuing-generation students | $18,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,000 |
| Independent students | $22,991 |
Federal data publishes the following gap measures for Madonna.
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.
Did You Know?
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.