by our College Data Analytics TeamThis page focuses on the debt students take on to attend Mississippi Valley State 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.
Looking at the entering class at Mississippi Valley State University, 71% of freshmen borrow to help pay for their first year, borrowing on average $5,729 per student, private and federal loans combined.
The average federal loan is $5,680. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. 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 Mississippi Valley State University, 73% use federal student loans to help pay for their education, at an average of $6,316 per year. That is 11.2% above the $5,680 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,632 after two years and $25,264 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $6,316 |
| Undergraduates with a federal loan | 974 |
| Total federal loans (one year) | $6,151,490 |
The middle borrower at Mississippi Valley State University owes $19,203 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,203 |
| Students who completed (graduates) | $28,413 |
| Students who withdrew | $14,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Mississippi Valley State University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $8,500 |
| 75th percentile | $32,042 |
| 90th percentile (highest-debt students) | $45,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Mississippi Valley State University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Mississippi Valley State University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 383 | $8,603 |
| Completed (graduates) | 125 | $9,500 |
| Did not complete | 258 | $8,541 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $112.97/mo.
Federal data lets us separate Stafford borrowers from the rest at Mississippi Valley State University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 366 | — |
| No Stafford loan this year | 17 | — |
The indicators below describe what the typical debt costs to pay back at Mississippi Valley State University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Mississippi Valley State University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.3% |
| Borrowers in the cohort | 1072 |
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 | $21,113 |
| Middle income | $17,000 |
| High income | $13,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,500 |
| Continuing-generation students | $17,813 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,000 |
| Independent students | $25,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Mississippi Valley State 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.