by our College Data Analytics TeamHere you will find what students actually borrow to attend Southeastern Oklahoma State 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 Southeastern Oklahoma State University specifically, 33% of first-year students take on loan debt, borrowing on average $5,656 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $4,627, amounting to 84.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 Southeastern Oklahoma State University, 32% borrow through federal student loan programs, borrowing on average $7,036 per year. That is 52.1% above the freshman federal average of $4,627.
At a steady annual pace, that totals around $14,072 by year two and around $28,144 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 32% |
| Average federal loan per year | $7,036 |
| Undergraduates with a federal loan | 1,008 |
| Total federal loans (one year) | $7,091,820 |
The middle borrower at Southeastern Oklahoma State University owes $10,623 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,623 |
| Students who completed (graduates) | $17,000 |
| Students who withdrew | $7,444 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Southeastern Oklahoma State University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,605 |
| 75th percentile | $18,599 |
| 90th percentile (highest-debt students) | $28,326 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Southeastern Oklahoma State University.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Southeastern Oklahoma State University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 499 | $12,190 |
| Completed (graduates) | 260 | $12,095 |
| Did not complete | 239 | $12,750 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $143.82/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Southeastern Oklahoma State University.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 484 | — |
| No Stafford loan | 15 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 327 | $11,760 |
| No Stafford loan this year | 172 | $12,948 |
The indicators below describe what the typical debt costs to pay back at Southeastern Oklahoma State 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 Southeastern Oklahoma State University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 912 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $11,000 |
| Middle income | $10,221 |
| High income | $10,610 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,750 |
| Continuing-generation students | $10,506 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $13,566 |
Federal data publishes the following gap measures for Southeastern Oklahoma State University.
Subsidized and 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.
Worth Knowing
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.