by our College Data Analytics TeamThis page focuses on the debt students take on to attend NUC University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At National University College specifically, 31% of incoming undergraduates borrow in year one, averaging $6,960 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $6,983. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at National University College, freshmen included, 46% use federal student loans to help pay for their education, with a mean of $7,371 a year. That amounts to 5.6% greater than the first-year federal average of $6,983.
Repeating that yearly amount projects to about $14,742 after two years and $29,484 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $7,371 |
| Undergraduates with a federal loan | 11,986 |
| Total federal loans (one year) | $88,351,190 |
The middle borrower at National University College owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $6,334 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 University College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,833 |
| 25th percentile | $3,500 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $20,867 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at National University College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at National University College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 593 | $5,000 |
| Completed (graduates) | 323 | $5,124 |
| Did not complete | 270 | $4,487 |
On a standard 10-year plan, the median completing borrower would pay about $60.93/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at National University College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 546 | $5,000 |
| No Stafford loan | 47 | $4,300 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 461 | $4,821 |
| No Stafford loan this year | 132 | $5,000 |
These figures turn the debt totals into a monthly repayment picture for National University College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for National University College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.7% |
| Borrowers in the cohort | 722 |
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 | $9,500 |
| Middle income | $9,500 |
| High income | $9,138 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,293 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at National University College.
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.