by our College Data Analytics TeamHere you will find what students actually borrow to attend Ottawa University-Kansas City: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Across the full undergraduate body at Ottawa University - Kansas City (freshmen included), 64% take out federal student loans, at an average of $10,140 each per year.
At a steady annual pace, that totals around $20,280 across two years and $40,560 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 | 64% |
| Average federal loan per year | $10,140 |
| Undergraduates with a federal loan | 144 |
| Total federal loans (one year) | $1,460,115 |
The middle borrower at Ottawa University - Kansas City owes $12,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $21,500 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ottawa University - Kansas City.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,197 |
| 25th percentile | $6,383 |
| 75th percentile | $23,500 |
| 90th percentile (highest-debt students) | $32,375 |
How wide this percentile range is tells you how much borrowing varies across students at Ottawa University - Kansas City.
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 Ottawa University - Kansas City.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 754 | $20,463 |
| Completed (graduates) | 171 | $20,600 |
| Did not complete | 583 | $20,428 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $244.96/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ottawa University - Kansas City.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 737 | — |
| No Stafford loan | 17 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 689 | $21,500 |
| No Stafford loan this year | 65 | $11,323 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Ottawa University - Kansas City.
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 Ottawa University - Kansas City is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.0% |
| Borrowers in the cohort | 1509 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,975 |
| Middle income | $13,726 |
| High income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,000 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,000 |
| Independent students | $17,123 |
Federal data publishes the following gap measures for Ottawa University - Kansas City.
Subsidized and 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
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.