by our College Data Analytics TeamHere you will find what students actually borrow to attend Maria College of Albany— 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.
Among first-year students at Maria College of Albany, 69% of incoming students take out a loan to help cover first-year costs, for an average of $5,803 each, across private and federal loan sources.
On the federal side, the average loan is $4,771, representing 86.7% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Maria College of Albany, freshmen included, 85% rely on federal student loans toward their education, averaging $8,593 each per year. It comes to 80.1% higher than the $4,771 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $17,186 after two years and $34,372 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 85% |
| Average federal loan per year | $8,593 |
| Undergraduates with a federal loan | 594 |
| Total federal loans (one year) | $5,104,007 |
Graduating and withdrawing students at Maria College of Albany carry a median federal debt of $14,708 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,708 |
| Students who completed (graduates) | $20,528 |
| Students who withdrew | $9,500 |
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 Maria College of Albany.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,357 |
| 25th percentile | $7,750 |
| 75th percentile | $24,750 |
| 90th percentile (highest-debt students) | $32,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Maria College of Albany.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Maria College of Albany.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 124 | $11,627 |
| Completed (graduates) | 65 | $11,467 |
| Did not complete | 59 | $11,655 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $136.35/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Maria College of Albany.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 100 | $11,000 |
| No Stafford loan this year | 24 | $15,928 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Maria College of Albany.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Maria College of Albany appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 360 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $14,500 |
| Middle income | $16,147 |
| High income | $12,750 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,500 |
| Continuing-generation students | $15,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,563 |
| Independent students | $16,686 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Maria College of Albany.
Subsidized vs. 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
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.