by our College Data Analytics TeamThis page focuses on the debt students take on to attend Mid-Atlantic Christian University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Mid-Atlantic Christian University, 80% of incoming undergraduates borrow in year one, averaging $8,580 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,832. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Mid-Atlantic Christian University, 58% use federal student loans to help pay for their education, for a typical $6,293 each per year. This is 7.9% more than the first-year federal average of $5,832.
At a steady annual pace, that totals around $12,586 across two years and $25,172 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $6,293 |
| Undergraduates with a federal loan | 94 |
| Total federal loans (one year) | $591,526 |
Graduating and withdrawing students at Mid-Atlantic Christian University carry a median federal debt of $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $5,500 |
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 Mid-Atlantic Christian University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $25,125 |
| 90th percentile (highest-debt students) | $44,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Mid-Atlantic Christian University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Mid-Atlantic Christian University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 29 | $20,395 |
These figures turn the debt totals into a monthly repayment picture for Mid-Atlantic Christian University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Mid-Atlantic Christian University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.1% |
| Borrowers in the cohort | 68 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,625 |
| Middle income | $8,750 |
| High income | $6,817 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $8,475 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Mid-Atlantic Christian University.
The Difference Between Subsidized and 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.