by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ohio University-Southern Campus, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at OHIO Southern, 30% of freshmen borrow to help pay for their first year, averaging $3,675 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $3,675, or about 66.8% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at OHIO Southern, freshmen included, 44% take out federal student loans, for a typical $5,010 in federal loans per year. That amounts to 36.3% more than the first-year federal average of $3,675.
Borrowing the same amount each year would add up to roughly $10,020 after two years and $20,040 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $5,010 |
| Undergraduates with a federal loan | 201 |
| Total federal loans (one year) | $1,007,055 |
Graduating and withdrawing students at OHIO Southern carry a median federal debt of $15,332 in federal student loans.
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for OHIO Southern.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at OHIO Southern.
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 Southern.
| 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.
Federal data lets us separate Stafford borrowers from the rest at OHIO Southern.
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 |
Borrowers With a Stafford Loan This Year
| 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 Southern.
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 OHIO Southern follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 7724 |
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 | $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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at OHIO Southern.
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.
Important to Remember
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.