by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Post University— 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.
Among first-year students at Post University, 90% of new students use loans toward freshman-year expenses, at roughly $7,228 per student, private and federal loans combined.
On the federal side, the average loan is $6,904. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Post University, freshmen included, 84% finance part of their studies with federal loans, with a mean of $7,929 in federal loans per year. It comes to 14.8% greater than the freshman federal average of $6,904.
Borrowing the same amount each year would add up to roughly $15,858 over two years and about $31,716 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $7,929 |
| Undergraduates with a federal loan | 15,931 |
| Total federal loans (one year) | $126,310,422 |
The median student at Post University borrows $8,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,750 |
| Students who completed (graduates) | $30,157 |
| Students who withdrew | $6,717 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Post University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,406 |
| 25th percentile | $4,750 |
| 75th percentile | $18,625 |
| 90th percentile (highest-debt students) | $34,325 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Post University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Post University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1205 | $9,254 |
| Completed (graduates) | 349 | $11,788 |
| Did not complete | 856 | $8,544 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $140.17/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Post University.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1187 | — |
| No Stafford loan | 18 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 924 | $9,095 |
| No Stafford loan this year | 281 | $9,800 |
These figures turn the debt totals into a monthly repayment picture for Post University.
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 Post University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 1384 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,125 |
| Middle income | $11,875 |
| High income | $14,063 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,604 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,445 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Post University.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.