by our College Data Analytics TeamThis page focuses on the debt students take on to attend Ohio University-Chillicothe Campus— 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 OHIO Chillicothe, 41% of first-year students take on loan debt, at roughly $3,713 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $3,623, representing 65.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at OHIO Chillicothe, 46% borrow through federal student loan programs, for a typical $4,825 each per year. This works out to 33.2% larger than the $3,623 freshmen take on.
At a steady annual pace, that totals around $9,650 across two years and $19,300 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $4,825 |
| Undergraduates with a federal loan | 356 |
| Total federal loans (one year) | $1,717,798 |
Graduating and withdrawing students at OHIO Chillicothe carry a median federal debt of $15,332 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,332 |
| Students who completed (graduates) | $21,056 |
| Students who withdrew | $7,750 |
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 OHIO Chillicothe.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $24,806 |
| 90th percentile (highest-debt students) | $31,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at OHIO Chillicothe.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for OHIO Chillicothe.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4390 | $20,697 |
| Completed (graduates) | 2974 | $23,508 |
| Did not complete | 1416 | $16,316 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $279.54/mo.
Federal data lets us separate Stafford borrowers from the rest at OHIO Chillicothe.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4346 | $20,731 |
| No Stafford loan | 44 | $18,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3682 | $22,419 |
| No Stafford loan this year | 708 | $14,276 |
The indicators below describe what the typical debt costs to pay back at OHIO Chillicothe.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for OHIO Chillicothe follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 7724 |
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 | $13,500 |
| Middle income | $15,000 |
| High income | $16,950 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,928 |
| Continuing-generation students | $16,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,000 |
| Independent students | $12,500 |
Federal data publishes the following gap measures for OHIO Chillicothe.
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
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.