by our College Data Analytics TeamHere you will find what students actually borrow to attend St. John’s College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At St. John’s Annapolis, 46% of first-year students take on loan debt, at roughly $6,878 per student, private and federal loans combined.
The typical federal loan comes to $5,191, equal to roughly 94.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at St. John’s Annapolis, 46% take out federal student loans, averaging $6,623 per year. That is 27.6% more than the first-year federal average of $5,191.
Borrowing at that rate every year works out to about $13,246 across two years and $26,492 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $6,623 |
| Undergraduates with a federal loan | 225 |
| Total federal loans (one year) | $1,490,138 |
The median student at St. John’s Annapolis borrows $19,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $19,500 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for St. John’s Annapolis.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $35,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at St. John’s Annapolis.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at St. John’s Annapolis.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 48 | $28,294 |
| Completed (graduates) | 25 | $28,485 |
| Did not complete | 23 | $28,103 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $338.72/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. St. John’s Annapolis.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for St. John’s Annapolis is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 133 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $14,977 |
| High income | $20,475 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $21,500 |
| Continuing-generation students | $18,320 |
Federal data publishes the following gap measures for St. John’s Annapolis.
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.
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.