by our College Data Analytics TeamHere you will find what students actually borrow to attend Ohio University-Zanesville Campus: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At OHIO Zanesville specifically, 39% of new students use loans toward freshman-year expenses, with a typical loan of $3,325 per student, private and federal loans combined.
The average federally funded loan is $3,325, equal to roughly 60.5% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at OHIO Zanesville (freshmen included), 47% use federal student loans to help pay for their education, with a mean of $4,663 each per year. It comes to 40.2% greater than the freshman federal average of $3,325.
Repeating that yearly amount projects to about $9,326 across two years and $18,652 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 47% |
| Average federal loan per year | $4,663 |
| Undergraduates with a federal loan | 245 |
| Total federal loans (one year) | $1,142,549 |
The median student at OHIO Zanesville 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for OHIO Zanesville.
| 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 Zanesville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at OHIO Zanesville.
| 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 Zanesville.
Any-Stafford Borrowers
| 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 Zanesville.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for OHIO Zanesville 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.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| 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 Zanesville.
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.
Important to Remember
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.