by our College Data Analytics TeamHere you will find what students actually borrow to attend Miami Regional University— 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 Miami Regional University, 96% of incoming undergraduates borrow in year one, at roughly $8,184 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $8,055. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Miami Regional University, freshmen included, 99% borrow through federal student loan programs, borrowing on average $11,179 a year. That is 38.8% above the freshman federal average of $8,055.
Carrying that yearly figure forward comes to roughly $22,358 by year two and around $44,716 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 | 99% |
| Average federal loan per year | $11,179 |
| Undergraduates with a federal loan | 851 |
| Total federal loans (one year) | $9,513,750 |
Graduating and withdrawing students at Miami Regional University carry a median federal debt of $20,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,000 |
| Students who completed (graduates) | $22,500 |
| Students who withdrew | $11,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Miami Regional University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,569 |
| 25th percentile | $7,454 |
| 75th percentile | $26,250 |
| 90th percentile (highest-debt students) | $30,457 |
How wide this percentile range is tells you how much borrowing varies across students at Miami Regional University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Miami Regional University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 104 | $7,261 |
| Completed (graduates) | 62 | $7,496 |
| Did not complete | 42 | $5,812 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $89.14/mo.
Federal data lets us separate Stafford borrowers from the rest at Miami Regional University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 92 | — |
| No Stafford loan this year | 12 | — |
The indicators below describe what the typical debt costs to pay back at Miami Regional University.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Miami Regional University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.7% |
| Borrowers in the cohort | 175 |
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 | $20,000 |
| Middle income | $16,750 |
| High income | $18,237 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $20,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $21,300 |
Federal data publishes the following gap measures for Miami Regional University.
Subsidized and 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?
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.