by our College Data Analytics TeamBelow is federal data on the loans students use to pay for National Park College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At National Park College specifically, 8% of incoming undergraduates borrow in year one, borrowing on average $4,883 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $4,639, representing 84.3% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at National Park College, 28% take out federal student loans, at an average of $4,592 in federal loans per year. That amounts to 1.0% smaller than the $4,639 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $9,184 over two years and about $18,368 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $4,592 |
| Undergraduates with a federal loan | 507 |
| Total federal loans (one year) | $2,327,942 |
The middle borrower at National Park College owes $6,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,250 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for National Park College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,500 |
| 75th percentile | $17,500 |
| 90th percentile (highest-debt students) | $29,572 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at National Park College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for National Park College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 95 | $8,000 |
| Completed (graduates) | 19 | $7,520 |
| Did not complete | 76 | $8,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $89.42/mo.
Federal data lets us separate Stafford borrowers from the rest at National Park College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 49 | $6,136 |
| No Stafford loan this year | 46 | $10,487 |
These figures turn the debt totals into a monthly repayment picture for National Park College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for National Park College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.3% |
| Borrowers in the cohort | 625 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,000 |
| Middle income | $5,500 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,252 |
| Continuing-generation students | $5,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,250 |
| Independent students | $8,899 |
Federal data publishes the following gap measures for National Park College.
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.
Important to Remember
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.