by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ottawa University-Milwaukee, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Counting every undergraduate at Ottawa University - Milwaukee, 62% finance part of their studies with federal loans, for a typical $11,338 each per year.
Repeating that yearly amount projects to about $22,676 by year two and around $45,352 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $11,338 |
| Undergraduates with a federal loan | 37 |
| Total federal loans (one year) | $419,514 |
The median student at Ottawa University - Milwaukee borrows $12,500 in federal borrowing.
| 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 - Milwaukee.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ottawa University - Milwaukee.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Ottawa University - Milwaukee.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 754 | $20,463 |
| Completed (graduates) | 171 | $20,600 |
| Did not complete | 583 | $20,428 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $244.96/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Ottawa University - Milwaukee.
Any-Stafford Borrowers
| 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 |
These figures turn the debt totals into a monthly repayment picture for Ottawa University - Milwaukee.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Ottawa University - Milwaukee appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.0% |
| Borrowers in the cohort | 1509 |
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 | $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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,000 |
| Independent students | $17,123 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Ottawa University - Milwaukee.
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
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.