by our College Data Analytics TeamThis page focuses on the debt students take on to attend Miami University-Middletown, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Miami University - Middletown, 42% of new students use loans toward freshman-year expenses, averaging $4,938 per student, private and federal loans combined.
The average federally funded loan is $4,369, equal to roughly 79.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Miami University - Middletown, 39% take out federal student loans, for a typical $6,209 in federal loans per year. That amounts to 42.1% above the $4,369 freshmen take on.
At a steady annual pace, that totals around $12,418 after two years and $24,836 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $6,209 |
| Undergraduates with a federal loan | 345 |
| Total federal loans (one year) | $2,141,983 |
The median student at Miami University - Middletown borrows $16,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,000 |
| Students who completed (graduates) | $23,000 |
| Students who withdrew | $7,500 |
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 University - Middletown.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,000 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $33,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Miami University - Middletown.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Miami University - Middletown.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1744 | $27,581 |
| Completed (graduates) | 1182 | $34,512 |
| Did not complete | 562 | $20,509 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $410.38/mo.
Federal data lets us separate Stafford borrowers from the rest at Miami University - Middletown.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1704 | $27,890 |
| No Stafford loan | 40 | $26,494 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1496 | $29,103 |
| No Stafford loan this year | 248 | $22,000 |
The indicators below describe what the typical debt costs to pay back at Miami University - Middletown.
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 University - Middletown appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.1% |
| Borrowers in the cohort | 4108 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,509 |
| Middle income | $15,597 |
| High income | $17,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,750 |
| Continuing-generation students | $18,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,032 |
| Independent students | $14,834 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Miami University - Middletown.
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.
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.