by our College Data Analytics TeamHere you will find what students actually borrow to attend Regis University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Regis U, 39% of freshmen borrow to help pay for their first year, borrowing on average $7,197 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $4,781, which is 86.9% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Regis U, 42% rely on federal student loans toward their education, averaging $7,438 a year. That amounts to 55.6% higher than the $4,781 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $14,876 across two years and $29,752 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 42% |
| Average federal loan per year | $7,438 |
| Undergraduates with a federal loan | 1,095 |
| Total federal loans (one year) | $8,144,407 |
The middle borrower at Regis U owes $19,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,750 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $15,000 |
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 U.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,250 |
| 25th percentile | $8,049 |
| 75th percentile | $28,250 |
| 90th percentile (highest-debt students) | $39,666 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Regis U.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Regis U.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1053 | $18,921 |
| Completed (graduates) | 374 | $17,700 |
| Did not complete | 679 | $19,094 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $210.47/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 Regis U.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1041 | — |
| No Stafford loan | 12 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 835 | $20,763 |
| No Stafford loan this year | 218 | $14,657 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Regis U.
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 U is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.4% |
| Borrowers in the cohort | 2895 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $20,625 |
| Middle income | $21,500 |
| High income | $17,501 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,500 |
| Continuing-generation students | $18,716 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,250 |
| Independent students | $23,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Regis U.
Subsidized vs. 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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.