by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Newschool of Architecture and Design— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Newschool of Architecture and Design, 50% of freshmen borrow to help pay for their first year, borrowing on average $5,979 each, across private and federal loan sources.
Federal loans alone average $5,979. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Newschool of Architecture and Design, freshmen included, 54% rely on federal student loans toward their education, for a typical $8,790 per year. This works out to 47.0% larger than the $5,979 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $17,580 across two years and $35,160 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $8,790 |
| Undergraduates with a federal loan | 115 |
| Total federal loans (one year) | $1,010,795 |
Graduating and withdrawing students at Newschool of Architecture and Design carry a median federal debt of $23,618 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,618 |
| Students who completed (graduates) | $31,000 |
| Students who withdrew | $12,537 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Newschool of Architecture and Design.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,332 |
| 25th percentile | $10,500 |
| 75th percentile | $43,500 |
| 90th percentile (highest-debt students) | $52,209 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Newschool of Architecture and Design.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Newschool of Architecture and Design.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 59 | $22,240 |
| Completed (graduates) | 25 | $20,000 |
| Did not complete | 34 | $37,203 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $237.82/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Newschool of Architecture and Design.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 48 | — |
| No Stafford loan this year | 11 | — |
These figures turn the debt totals into a monthly repayment picture for Newschool of Architecture and Design.
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 Newschool of Architecture and Design follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 180 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $30,053 |
| Middle income | $11,141 |
| High income | $23,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $28,105 |
| Continuing-generation students | $20,583 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,833 |
| Independent students | $25,000 |
Federal data publishes the following gap measures for Newschool of Architecture and Design.
The Difference Between 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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.