by our College Data Analytics TeamThis page focuses on the debt students take on to attend SUNY Morrisville: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Morrisville State College, 82% of freshmen borrow to help pay for their first year, with a typical loan of $6,023 each — a figure that counts both private and federal student loans.
The average federal loan is $5,292, representing 96.2% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Morrisville State College, freshmen included, 72% take out federal student loans, at an average of $6,026 a year. This works out to 13.9% greater than the $5,292 freshmen take on.
Repeating that yearly amount projects to about $12,052 across two years and $24,104 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $6,026 |
| Undergraduates with a federal loan | 1,336 |
| Total federal loans (one year) | $8,050,977 |
Graduating and withdrawing students at Morrisville State College carry a median federal debt of $12,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $18,742 |
| Students who withdrew | $9,087 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Morrisville State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $21,182 |
| 90th percentile (highest-debt students) | $31,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Morrisville State College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Morrisville State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 925 | $16,130 |
| Completed (graduates) | 282 | $24,477 |
| Did not complete | 643 | $13,395 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $291.06/mo.
Federal data lets us separate Stafford borrowers from the rest at Morrisville State College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 914 | — |
| No Stafford loan | 11 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 873 | $16,274 |
| No Stafford loan this year | 52 | $12,840 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Morrisville State College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Morrisville State College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 1525 |
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 | $11,000 |
| Middle income | $11,141 |
| High income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $11,699 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,408 |
| Independent students | $14,275 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Morrisville State College.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
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.