by our College Data Analytics TeamHere you will find what students actually borrow to attend Mount Aloysius College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Mount Aloysius, 78% of incoming students take out a loan to help cover first-year costs, averaging $8,820 per borrower, covering both private and federal loans.
Federal loans alone average $5,721. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Mount Aloysius, 81% finance part of their studies with federal loans, borrowing on average $6,836 per year. This is 19.5% larger than the $5,721 typical freshmen borrow.
Repeating that yearly amount projects to about $13,672 over two years and about $27,344 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $6,836 |
| Undergraduates with a federal loan | 915 |
| Total federal loans (one year) | $6,255,379 |
Graduating and withdrawing students at Mount Aloysius carry a median federal debt of $16,980 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,980 |
| Students who completed (graduates) | $24,287 |
| Students who withdrew | $8,750 |
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 Mount Aloysius.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,250 |
| 75th percentile | $26,900 |
| 90th percentile (highest-debt students) | $34,417 |
How wide this percentile range is tells you how much borrowing varies across students at Mount Aloysius.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Mount Aloysius.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 314 | $19,967 |
| Completed (graduates) | 219 | $25,082 |
| Did not complete | 95 | $12,500 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $298.25/mo.
Federal data lets us separate Stafford borrowers from the rest at Mount Aloysius.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 300 | — |
| No Stafford loan this year | 14 | — |
The indicators below describe what the typical debt costs to pay back at Mount Aloysius.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Mount Aloysius is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 594 |
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 | $16,500 |
| Middle income | $18,500 |
| High income | $15,474 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,980 |
| Continuing-generation students | $17,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,317 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Mount Aloysius.
The Difference Between 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.
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.