by our College Data Analytics TeamThis page focuses on the debt students take on to attend Provo College-Idaho Falls Campus: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Provo College-Idaho Falls Campus specifically, 92% of freshmen borrow to help pay for their first year, for an average of $8,137 each, across private and federal loan sources.
On the federal side, the average loan is $6,485. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Provo College-Idaho Falls Campus, 49% take out federal student loans, for a typical $10,435 in federal loans per year. It comes to 60.9% more than the $6,485 typical freshmen borrow.
At a steady annual pace, that totals around $20,870 in two years and roughly $41,740 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 | 49% |
| Average federal loan per year | $10,435 |
| Undergraduates with a federal loan | 111 |
| Total federal loans (one year) | $1,158,239 |
The middle borrower at Provo College-Idaho Falls Campus owes $24,262 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,262 |
| Students who completed (graduates) | $41,733 |
| Students who withdrew | $6,698 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Provo College-Idaho Falls Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,439 |
| 25th percentile | $6,756 |
| 75th percentile | $22,007 |
| 90th percentile (highest-debt students) | $38,162 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Provo College-Idaho Falls Campus.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Provo College-Idaho Falls Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $9,614 |
These figures turn the debt totals into a monthly repayment picture for Provo College-Idaho Falls Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Provo College-Idaho Falls Campus appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.6% |
| Borrowers in the cohort | 577 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $23,584 |
| Middle income | $21,928 |
| High income | $25,359 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,932 |
| Continuing-generation students | $25,688 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $24,498 |
| Independent students | $23,887 |
Federal data publishes the following gap measures for Provo College-Idaho Falls Campus.
The Difference Between Subsidized and 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
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.