by our College Data Analytics TeamBelow is federal data on the loans students use to pay for New Hope Christian College-Eugene, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at New Hope Christian College, 100% of first-year students take on loan debt, at roughly $4,102 per student, private and federal loans combined.
On the federal side, the average loan is $4,102, or about 74.6% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at New Hope Christian College (freshmen included), 68% take out federal student loans, for a typical $6,861 a year. That is 67.3% greater than the $4,102 freshmen take on.
Borrowing the same amount each year would add up to roughly $13,722 across two years and $27,444 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $6,861 |
| Undergraduates with a federal loan | 30 |
| Total federal loans (one year) | $205,824 |
The median student at New Hope Christian College borrows $18,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,500 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $10,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for New Hope Christian College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $10,563 |
| 75th percentile | $31,000 |
The indicators below describe what the typical debt costs to pay back at New Hope Christian College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for New Hope Christian College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.6% |
| Borrowers in the cohort | 66 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $16,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,378 |
| Independent students | $19,000 |
Federal data publishes the following gap measures for New Hope Christian 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.