by our College Data Analytics TeamHere you will find what students actually borrow to attend Oklahoma Christian University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at OC, 48% of first-year students take on loan debt, for an average of $6,867 per borrower, covering both private and federal loans.
The average federal loan is $4,906, or about 89.2% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at OC, 45% use federal student loans to help pay for their education, for a typical $5,880 a year. This is 19.9% greater than the $4,906 freshmen take on.
At a steady annual pace, that totals around $11,760 after two years and $23,520 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $5,880 |
| Undergraduates with a federal loan | 867 |
| Total federal loans (one year) | $5,097,664 |
The middle borrower at OC owes $18,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,500 |
| Students who completed (graduates) | $26,000 |
| Students who withdrew | $8,725 |
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 OC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,538 |
| 25th percentile | $7,500 |
| 75th percentile | $27,250 |
| 90th percentile (highest-debt students) | $34,352 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at OC.
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 OC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 242 | $20,577 |
| Completed (graduates) | 138 | $25,235 |
| Did not complete | 104 | $15,801 |
On a standard 10-year plan, the median completing borrower would pay about $300.07/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at OC.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 207 | $21,205 |
| No Stafford loan this year | 35 | $10,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. OC.
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 OC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 667 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $13,824 |
| Middle income | $18,625 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,980 |
| Continuing-generation students | $19,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,735 |
| Independent students | $14,199 |
Federal data publishes the following gap measures for OC.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.