Ohio University-Eastern Campus Student Loan Debt

This page focuses on the debt students take on to attend Ohio University-Eastern 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.

Freshman Loans
Average Undergraduate Loans
How Much Students Borrow
How Debt Is Distributed
Total Borrowing Including PLUS Loans
Borrowing by Loan Type
Repayment Burden
Student Loan Default Rates
Who Borrows the Most
Debt Equity Indicators
Understanding Student Loans
References

First-Year Borrowing at Ohio University-Eastern Campus

At OHIO Eastern, 22% of first-year students take on loan debt, with a typical loan of $3,504 per borrower, covering both private and federal loans.

The average federally funded loan is $3,504, equal to roughly 63.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.

Average Federal Loans for Undergrads at Ohio University-Eastern Campus

For undergraduates overall at OHIO Eastern, 27% rely on federal student loans toward their education, for a typical $4,664 in federal loans per year. That amounts to 33.1% greater than the first-year federal average of $3,504.

Repeating that yearly amount projects to about $9,328 across two years and $18,656 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	27%
Average federal loan per year	$4,664
Undergraduates with a federal loan	83
Total federal loans (one year)	$387,089

How Much Students Borrow at Ohio University-Eastern Campus

The median student at OHIO Eastern borrows $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.

The Range of Student Debt at this School

Half of all borrowers fall between the 25th and 75th percentiles shown below for OHIO Eastern.

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

How wide this percentile range is tells you how much borrowing varies across students at OHIO Eastern.

Total Federal Debt With PLUS Loans for Ohio University-Eastern 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 Eastern.

Group	Borrowers	Median debt incl. PLUS
All borrowers	4390	$20,697
Completed (graduates)	2974	$23,508
Did not complete	1416	$16,316

On a standard 10-year plan, the median completing borrower would pay about $279.54/mo.

Stafford vs Other Federal Borrowing at Ohio University-Eastern Campus

The split below distinguishes Stafford borrowers from non-Stafford borrowers at OHIO Eastern.

Borrowers With Any Stafford Loan

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

Repayment Burden at Ohio University-Eastern Campus

The indicators below describe what the typical debt costs to pay back at OHIO Eastern.

Estimated standard 10-year payment: $223.23/mo (graduates, standard federal repayment schedule)
Debt burden category: Low ($10-20k)
Debt spread across cohorts: approximately $28,500 between the lowest- and highest-debt typical-borrower cohort

Loan Default Rates for Ohio University-Eastern Campus

A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for OHIO Eastern appears below.

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.

How Borrowing Varies by Student Group at Ohio University-Eastern Campus

The breakdowns below show median federal debt by income, first-generation status, and dependency.

By Family Income

Income tier	Median federal debt
Low income	$13,500
Middle income	$15,000
High income	$16,950

First-Generation Comparison

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

Borrowing Gaps Between Student Groups at Ohio University-Eastern Campus

Federal data publishes the following gap measures for OHIO Eastern.

Difference in debt for Pell recipients: $2,500
Difference for first-generation students: $-1,822
Difference between income tiers: $-3,450
Difference in median debt by gender: $-1,000
Flagged for Pell-recipient debt inequity: Yes — flagged for atypically large Pell-recipient debt outcomes

Student Loan Basics

Subsidized vs. 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.

Did You Know?

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.

External Resources

References

More about our data sources and methodologies.