by our College Data Analytics TeamHere you will find what students actually borrow to attend Ohio State University-Mansfield Campus— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Ohio State University - Mansfield Campus, 51% of incoming students take out a loan to help cover first-year costs, for an average of $6,353 per student, private and federal loans combined.
The average federal loan is $5,657. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Ohio State University - Mansfield Campus, 43% borrow through federal student loan programs, borrowing on average $5,930 a year. It comes to 4.8% higher than the $5,657 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $11,860 across two years and $23,720 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 43% |
| Average federal loan per year | $5,930 |
| Undergraduates with a federal loan | 312 |
| Total federal loans (one year) | $1,850,263 |
The middle borrower at Ohio State University - Mansfield Campus owes $14,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,500 |
| Students who completed (graduates) | $19,976 |
| Students who withdrew | $7,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Ohio State University - Mansfield Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,500 |
| 75th percentile | $26,350 |
| 90th percentile (highest-debt students) | $31,700 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Ohio State University - Mansfield Campus.
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 Ohio State University - Mansfield Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 6065 | $20,783 |
| Completed (graduates) | 4152 | $25,868 |
| Did not complete | 1913 | $15,687 |
On a standard 10-year plan, the median completing borrower would pay about $307.6/mo.
Federal data lets us separate Stafford borrowers from the rest at Ohio State University - Mansfield Campus.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5935 | $20,955 |
| No Stafford loan | 130 | $14,946 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 5204 | $21,518 |
| No Stafford loan this year | 861 | $17,533 |
The indicators below describe what the typical debt costs to pay back at Ohio State University - Mansfield Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Ohio State University - Mansfield Campus appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.9% |
| Borrowers in the cohort | 11599 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,643 |
| Middle income | $13,000 |
| High income | $15,984 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $15,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,500 |
| Independent students | $15,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Ohio State University - Mansfield Campus.
Subsidized vs. 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.