by our College Data Analytics TeamHere you will find what students actually borrow to attend Maryville University of Saint Louis, 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 Maryville U, 47% of freshmen borrow to help pay for their first year, at roughly $7,915 per borrower, covering both private and federal loans.
The average federal loan is $5,203, which is 94.6% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Maryville U (freshmen included), 53% use federal student loans to help pay for their education, at an average of $7,039 a year. That is 35.3% larger than the $5,203 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $14,078 by year two and around $28,156 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 | 53% |
| Average federal loan per year | $7,039 |
| Undergraduates with a federal loan | 3,193 |
| Total federal loans (one year) | $22,476,092 |
The middle borrower at Maryville U owes $10,041 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,041 |
| Students who completed (graduates) | $22,000 |
| Students who withdrew | $7,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Maryville U.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $9,184 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $41,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Maryville U.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Maryville U.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1597 | $15,843 |
| Completed (graduates) | 855 | $18,781 |
| Did not complete | 742 | $13,532 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $223.33/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 Maryville U.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1582 | — |
| No Stafford loan | 15 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1305 | $17,000 |
| No Stafford loan this year | 292 | $12,907 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Maryville U.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Maryville U is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 908 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,000 |
| Middle income | $10,600 |
| High income | $13,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Maryville U.
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.
Did You Know?
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.