by our College Data Analytics TeamHere you will find what students actually borrow to attend Roosevelt University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Roosevelt, 49% of new students use loans toward freshman-year expenses, at roughly $7,312 each, across private and federal loan sources.
Federal loans alone average $5,167, which is 93.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Roosevelt, freshmen included, 54% rely on federal student loans toward their education, for a typical $7,119 per year. That is 37.8% greater than the $5,167 freshmen take on.
Repeating that yearly amount projects to about $14,238 after two years and $28,476 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 54% |
| Average federal loan per year | $7,119 |
| Undergraduates with a federal loan | 1,400 |
| Total federal loans (one year) | $9,965,975 |
The median student at Roosevelt borrows $14,667 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,667 |
| Students who completed (graduates) | $22,000 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Roosevelt.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $9,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $36,481 |
How wide this percentile range is tells you how much borrowing varies across students at Roosevelt.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Roosevelt.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1263 | $21,446 |
| Completed (graduates) | 638 | $27,213 |
| Did not complete | 625 | $18,184 |
On a standard 10-year plan, the median completing borrower would pay about $323.59/mo.
Federal data lets us separate Stafford borrowers from the rest at Roosevelt.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1247 | — |
| No Stafford loan | 16 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1146 | $21,015 |
| No Stafford loan this year | 117 | $24,947 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Roosevelt.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Roosevelt follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.7% |
| Borrowers in the cohort | 2578 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,750 |
| Middle income | $14,500 |
| High income | $14,626 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,500 |
| Continuing-generation students | $15,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,187 |
| Independent students | $20,027 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Roosevelt.
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.
Important to Remember
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.