by our College Data Analytics TeamThis page focuses on the debt students take on to attend Marist University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Marist, 55% of incoming undergraduates borrow in year one, at roughly $10,838 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,355, or about 97.4% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Marist, 51% take out federal student loans, for a typical $6,403 a year. This works out to 19.6% higher than the $5,355 freshmen take on.
Borrowing at that rate every year works out to about $12,806 after two years and $25,612 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 | 51% |
| Average federal loan per year | $6,403 |
| Undergraduates with a federal loan | 2,564 |
| Total federal loans (one year) | $16,416,091 |
The middle borrower at Marist owes $21,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,500 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $8,000 |
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 Marist.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $34,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Marist.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Marist.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 643 | $43,416 |
| Completed (graduates) | 488 | $51,958 |
| Did not complete | 155 | $28,476 |
On a standard 10-year plan, the median completing borrower would pay about $617.84/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Marist.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 576 | $45,320 |
| No Stafford loan this year | 67 | $25,990 |
These figures turn the debt totals into a monthly repayment picture for Marist.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Marist follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.7% |
| Borrowers in the cohort | 1293 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,500 |
| Middle income | $22,250 |
| High income | $21,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,142 |
| Continuing-generation students | $20,887 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $21,500 |
| Independent students | $22,000 |
Federal data publishes the following gap measures for Marist.
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.
Did You Know?
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.