by our College Data Analytics TeamThis page focuses on the debt students take on to attend Northeastern Oklahoma A&M College— 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.
At NEO A&M College, 37% of incoming undergraduates borrow in year one, borrowing on average $6,155 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,910. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at NEO A&M College, 39% take out federal student loans, for a typical $6,400 a year. That is 8.3% greater than the $5,910 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $12,800 over two years and about $25,600 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $6,400 |
| Undergraduates with a federal loan | 625 |
| Total federal loans (one year) | $3,999,885 |
Graduating and withdrawing students at NEO A&M College carry a median federal debt of $7,277 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,277 |
| Students who completed (graduates) | $11,000 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at NEO A&M College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $20,289 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at NEO A&M College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at NEO A&M College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 92 | $7,018 |
| Completed (graduates) | 31 | $8,690 |
| Did not complete | 61 | $6,890 |
On a standard 10-year plan, the median completing borrower would pay about $103.33/mo.
Federal data lets us separate Stafford borrowers from the rest at NEO A&M College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 68 | $7,003 |
| No Stafford loan this year | 24 | $7,989 |
These figures turn the debt totals into a monthly repayment picture for NEO A&M 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 NEO A&M College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.2% |
| Borrowers in the cohort | 547 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
| Middle income | $7,575 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,474 |
| Continuing-generation students | $6,200 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at NEO A&M 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.