by our College Data Analytics TeamHere you will find what students actually borrow to attend Ozark Christian College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Ozark Christian College, 46% of first-year students take on loan debt, borrowing on average $6,084 each — a figure that counts both private and federal student loans.
The average federal loan is $4,945, amounting to 89.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Ozark Christian College, 54% finance part of their studies with federal loans, averaging $6,322 annually. That amounts to 27.8% above the $4,945 freshmen take on.
Borrowing at that rate every year works out to about $12,644 over two years and about $25,288 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $6,322 |
| Undergraduates with a federal loan | 332 |
| Total federal loans (one year) | $2,099,051 |
Graduating and withdrawing students at Ozark Christian College carry a median federal debt of $9,784 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,784 |
| Students who completed (graduates) | $16,772 |
| Students who withdrew | $6,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ozark Christian College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,200 |
| 25th percentile | $5,500 |
| 75th percentile | $22,000 |
| 90th percentile (highest-debt students) | $29,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ozark Christian College.
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 Ozark Christian College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 51 | $10,000 |
| Completed (graduates) | 28 | $10,910 |
| Did not complete | 23 | $9,644 |
On a standard 10-year plan, the median completing borrower would pay about $129.73/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Ozark Christian College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Ozark Christian College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.4% |
| Borrowers in the cohort | 185 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,000 |
| Middle income | $10,403 |
| High income | $9,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,000 |
| Continuing-generation students | $8,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,904 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ozark Christian College.
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
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.