by our College Data Analytics TeamHere you will find what students actually borrow to attend Regent University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Regent, 53% of new students use loans toward freshman-year expenses, with a typical loan of $6,716 per student, private and federal loans combined.
The typical federal loan comes to $6,438. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Regent, 60% take out federal student loans, averaging $8,329 in federal loans per year. That amounts to 29.4% larger than the first-year federal average of $6,438.
Borrowing the same amount each year would add up to roughly $16,658 by year two and around $33,316 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $8,329 |
| Undergraduates with a federal loan | 2,578 |
| Total federal loans (one year) | $21,472,513 |
The median student at Regent borrows $11,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,000 |
| Students who completed (graduates) | $24,534 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Regent.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,606 |
| 25th percentile | $4,750 |
| 75th percentile | $21,500 |
| 90th percentile (highest-debt students) | $35,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Regent.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Regent.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1750 | $12,949 |
| Completed (graduates) | 699 | $15,513 |
| Did not complete | 1051 | $11,499 |
On a standard 10-year plan, the median completing borrower would pay about $184.47/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 Regent.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1733 | — |
| No Stafford loan | 17 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1143 | $13,358 |
| No Stafford loan this year | 607 | $12,000 |
These figures turn the debt totals into a monthly repayment picture for Regent.
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 Regent is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.9% |
| Borrowers in the cohort | 1384 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $13,000 |
| High income | $13,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,530 |
| Continuing-generation students | $11,849 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,750 |
| Independent students | $10,500 |
Federal data publishes the following gap measures for Regent.
The Difference Between 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.
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.