by our College Data Analytics TeamThis page focuses on the debt students take on to attend Missouri Valley College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Missouri Valley College specifically, 60% of incoming undergraduates borrow in year one, for an average of $5,836 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,039, which is 91.6% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Missouri Valley College, 51% rely on federal student loans toward their education, averaging $5,999 annually. This is 19.1% greater than the freshman federal average of $5,039.
At a steady annual pace, that totals around $11,998 by year two and around $23,996 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 | 51% |
| Average federal loan per year | $5,999 |
| Undergraduates with a federal loan | 660 |
| Total federal loans (one year) | $3,959,121 |
Graduating and withdrawing students at Missouri Valley College carry a median federal debt of $10,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,250 |
| Students who completed (graduates) | $25,950 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Missouri Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $21,500 |
| 90th percentile (highest-debt students) | $35,635 |
How wide this percentile range is tells you how much borrowing varies across students at Missouri Valley College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Missouri Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 296 | $11,962 |
| Completed (graduates) | 115 | $15,650 |
| Did not complete | 181 | $10,521 |
On a standard 10-year plan, the median completing borrower would pay about $186.1/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Missouri Valley College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 280 | — |
| No Stafford loan this year | 16 | — |
The indicators below describe what the typical debt costs to pay back at Missouri Valley College.
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 Missouri Valley College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.0% |
| Borrowers in the cohort | 551 |
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 | $9,500 |
| Middle income | $9,500 |
| High income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $11,967 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,750 |
| Independent students | $12,500 |
Federal data publishes the following gap measures for Missouri Valley College.
The Difference Between 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.
Worth Knowing
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.