by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Regis College: 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 Regis College, 74% of incoming students take out a loan to help cover first-year costs, for an average of $10,618 each, across private and federal loan sources.
The average federal loan is $5,381, equal to roughly 97.8% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Regis College, freshmen included, 67% borrow through federal student loan programs, for a typical $7,301 annually. This is 35.7% above the $5,381 borrowed by freshmen.
At a steady annual pace, that totals around $14,602 after two years and $29,204 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $7,301 |
| Undergraduates with a federal loan | 686 |
| Total federal loans (one year) | $5,008,542 |
The middle borrower at Regis College owes $23,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,750 |
| Students who completed (graduates) | $25,500 |
| Students who withdrew | $8,750 |
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 Regis College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $30,500 |
| 90th percentile (highest-debt students) | $41,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Regis 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 Regis College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 483 | $25,382 |
| Completed (graduates) | 338 | $32,238 |
| Did not complete | 145 | $15,000 |
On a standard 10-year plan, the median completing borrower would pay about $383.34/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Regis College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 408 | $28,131 |
| No Stafford loan this year | 75 | $11,932 |
The indicators below describe what the typical debt costs to pay back at Regis College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Regis College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.0% |
| Borrowers in the cohort | 317 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $23,750 |
| Middle income | $24,272 |
| High income | $23,192 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $23,875 |
| Continuing-generation students | $23,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $23,250 |
| Independent students | $24,775 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Regis College.
Subsidized vs. 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.
Did You Know?
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.