by our College Data Analytics TeamHere you will find what students actually borrow to attend Saint Francis University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Saint Francis, 74% of first-year students take on loan debt, with a typical loan of $12,970 per student, private and federal loans combined.
The average federally funded loan is $5,383, or about 97.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Saint Francis, 56% borrow through federal student loan programs, borrowing on average $9,109 each per year. It comes to 69.2% greater than the first-year federal average of $5,383.
Repeating that yearly amount projects to about $18,218 after two years and $36,436 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $9,109 |
| Undergraduates with a federal loan | 902 |
| Total federal loans (one year) | $8,215,947 |
The median student at Saint Francis borrows $27,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $27,000 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $10,610 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Saint Francis.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $13,000 |
| 75th percentile | $30,750 |
| 90th percentile (highest-debt students) | $37,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Saint Francis.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Saint Francis.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 297 | $25,340 |
| Completed (graduates) | 194 | $38,844 |
| Did not complete | 103 | $17,966 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $461.9/mo.
Federal data lets us separate Stafford borrowers from the rest at Saint Francis.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 247 | $27,436 |
| No Stafford loan this year | 50 | $15,928 |
These figures turn the debt totals into a monthly repayment picture for Saint Francis.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Saint Francis follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.2% |
| Borrowers in the cohort | 577 |
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 | $20,750 |
| Middle income | $27,000 |
| High income | $27,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $26,205 |
| Continuing-generation students | $27,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $27,000 |
| Independent students | $18,750 |
Federal data publishes the following gap measures for Saint Francis.
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?
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.