by our College Data Analytics TeamThis page focuses on the debt students take on to attend Northcentral University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Across the full undergraduate body at Northcentral University (freshmen included), 45% rely on federal student loans toward their education, averaging $4,933 per year.
At a steady annual pace, that totals around $9,866 across two years and $19,732 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $4,933 |
| Undergraduates with a federal loan | 44 |
| Total federal loans (one year) | $217,036 |
The median student at Northcentral University borrows $9,430 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,430 |
| Students who completed (graduates) | $12,500 |
| Students who withdrew | $3,675 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Northcentral University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,713 |
| 25th percentile | $4,067 |
| 75th percentile | $17,155 |
| 90th percentile (highest-debt students) | $28,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Northcentral University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Northcentral University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1307 | $10,000 |
| Completed (graduates) | 475 | $9,454 |
| Did not complete | 832 | $10,398 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $112.42/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Northcentral University.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1082 | $10,000 |
| No Stafford loan this year | 225 | $11,000 |
The indicators below describe what the typical debt costs to pay back at Northcentral University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Northcentral University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.9% |
| Borrowers in the cohort | 909 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $11,021 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,430 |
| Continuing-generation students | $8,696 |
Federal data publishes the following gap measures for Northcentral University.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.