by our College Data Analytics TeamThis page focuses on the debt students take on to attend Rob Roy Academy-Fall River— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Rob Roy Academy-Fall River, 80% of first-year students take on loan debt, at roughly $5,893 per student, private and federal loans combined.
The average federal loan is $5,882. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. 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 Rob Roy Academy-Fall River, freshmen included, 72% borrow through federal student loan programs, borrowing on average $5,375 per year. This is 8.6% below the freshman federal average of $5,882.
Borrowing at that rate every year works out to about $10,750 over two years and about $21,500 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $5,375 |
| Undergraduates with a federal loan | 115 |
| Total federal loans (one year) | $618,170 |
Graduating and withdrawing students at Rob Roy Academy-Fall River carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $3,166 |
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 Rob Roy Academy-Fall River.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,447 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Rob Roy Academy-Fall River.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Rob Roy Academy-Fall River.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 23 | $4,464 |
These figures turn the debt totals into a monthly repayment picture for Rob Roy Academy-Fall River.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Rob Roy Academy-Fall River is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.2% |
| Borrowers in the cohort | 104 |
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 | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,662 |
| Independent students | $6,333 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rob Roy Academy-Fall River.
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
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.