by our College Data Analytics TeamThis page focuses on the debt students take on to attend Rosemont College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Rosemont, 84% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,532 per student, private and federal loans combined.
Federal loans alone average $6,270. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Rosemont, freshmen included, 71% rely on federal student loans toward their education, borrowing on average $11,737 annually. That amounts to 87.2% greater than the freshman federal average of $6,270.
Carrying that yearly figure forward comes to roughly $23,474 after two years and $46,948 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $11,737 |
| Undergraduates with a federal loan | 340 |
| Total federal loans (one year) | $3,990,533 |
Graduating and withdrawing students at Rosemont carry a median federal debt of $27,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $27,000 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $17,100 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Rosemont.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $7,523 |
| 75th percentile | $27,000 |
| 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 Rosemont.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Rosemont.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 152 | $20,587 |
| Completed (graduates) | 110 | $21,387 |
| Did not complete | 42 | $18,244 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $254.31/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 Rosemont.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 130 | $20,587 |
| No Stafford loan this year | 22 | $19,812 |
These figures turn the debt totals into a monthly repayment picture for Rosemont.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Rosemont follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 288 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $30,269 |
| Middle income | $27,000 |
| High income | $24,125 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $27,000 |
| Continuing-generation students | $27,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $27,000 |
| Independent students | $28,007 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Rosemont.
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.