by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Roberts Wesleyan University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Roberts Wesleyan, 65% of incoming students take out a loan to help cover first-year costs, at roughly $8,353 per borrower, covering both private and federal loans.
The average federal loan is $5,530. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Roberts Wesleyan, 61% rely on federal student loans toward their education, averaging $7,726 each per year. That amounts to 39.7% higher than the $5,530 freshmen take on.
Borrowing at that rate every year works out to about $15,452 by year two and around $30,904 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $7,726 |
| Undergraduates with a federal loan | 638 |
| Total federal loans (one year) | $4,929,193 |
The middle borrower at Roberts Wesleyan owes $19,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,000 |
| Students who completed (graduates) | $23,750 |
| Students who withdrew | $10,100 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Roberts Wesleyan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $10,750 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $32,700 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Roberts Wesleyan.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Roberts Wesleyan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 296 | $20,163 |
| Completed (graduates) | 214 | $25,812 |
| Did not complete | 82 | $14,895 |
On a standard 10-year plan, the median completing borrower would pay about $306.93/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Roberts Wesleyan.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 261 | $21,335 |
| No Stafford loan this year | 35 | $12,970 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Roberts Wesleyan.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Roberts Wesleyan appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.7% |
| Borrowers in the cohort | 756 |
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 | $18,750 |
| Middle income | $19,500 |
| High income | $18,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,750 |
| Continuing-generation students | $20,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,000 |
| Independent students | $18,750 |
Federal data publishes the following gap measures for Roberts Wesleyan.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
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.