by our College Data Analytics TeamThis page focuses on the debt students take on to attend Maharishi International University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at MIU, 77% of first-year students take on loan debt, borrowing on average $12,329 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $8,789. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at MIU, 65% finance part of their studies with federal loans, at an average of $8,860 per year. This is 0.8% more than the $8,789 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $17,720 in two years and roughly $35,440 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $8,860 |
| Undergraduates with a federal loan | 507 |
| Total federal loans (one year) | $4,492,101 |
The middle borrower at MIU owes $11,558 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,558 |
| Students who completed (graduates) | $24,781 |
| Students who withdrew | $7,748 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at MIU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $11,500 |
| 75th percentile | $40,200 |
| 90th percentile (highest-debt students) | $52,583 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at MIU.
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 MIU.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 69 | $10,000 |
| Completed (graduates) | 29 | $11,725 |
| Did not complete | 40 | $9,018 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $139.42/mo.
These figures turn the debt totals into a monthly repayment picture for MIU.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for MIU appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.9% |
| Borrowers in the cohort | 136 |
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 | $13,165 |
| Middle income | $8,792 |
| High income | $10,394 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,715 |
| Continuing-generation students | $14,728 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $11,610 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at MIU.
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.