by our College Data Analytics TeamHere you will find what students actually borrow to attend Ottawa University-Surprise: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Ottawa University - Surprise, 90% of freshmen borrow to help pay for their first year, with a typical loan of $7,470 per student, private and federal loans combined.
The average federal loan is $5,285, which is 96.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Ottawa University - Surprise, 73% borrow through federal student loan programs, with a mean of $6,529 each per year. This is 23.5% greater than the first-year federal average of $5,285.
Borrowing the same amount each year would add up to roughly $13,058 across two years and $26,116 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $6,529 |
| Undergraduates with a federal loan | 563 |
| Total federal loans (one year) | $3,675,948 |
The middle borrower at Ottawa University - Surprise owes $12,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $21,500 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Ottawa University - Surprise.
| 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 - Surprise.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ottawa University - Surprise.
| 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.
Federal data lets us separate Stafford borrowers from the rest at Ottawa University - Surprise.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 737 | — |
| No Stafford loan | 17 | — |
Stafford This Year vs Not
| 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 - Surprise.
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 Ottawa University - Surprise appears 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.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,975 |
| Middle income | $13,726 |
| High income | $12,000 |
By First-Generation Status
| 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 - Surprise.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.