by our College Data Analytics TeamHere you will find what students actually borrow to attend Schiller International University: 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.
At Schiller International University, 0% of incoming undergraduates borrow in year one.
Across the full undergraduate body at Schiller International University (freshmen included), 11% use federal student loans to help pay for their education, at an average of $11,746 per year.
Borrowing the same amount each year would add up to roughly $23,492 in two years and roughly $46,984 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $11,746 |
| Undergraduates with a federal loan | 4 |
| Total federal loans (one year) | $46,985 |
The middle borrower at Schiller International University owes $23,224 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,224 |
| Students who completed (graduates) | $35,758 |
| Students who withdrew | $7,875 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Schiller International University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,116 |
| 25th percentile | $8,479 |
| 75th percentile | $30,298 |
| 90th percentile (highest-debt students) | $49,372 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Schiller International University.
Repayment burden translates the debt figures into what a borrower actually pays each month. Schiller International University.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Schiller International University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.1% |
| Borrowers in the cohort | 93 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $35,758 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,598 |
| Independent students | $35,758 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Schiller International University.
The Difference Between Subsidized and 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.
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.