by our College Data Analytics TeamHere you will find what students actually borrow to attend Strayer University-North Carolina— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Counting every undergraduate at Strayer University - North Carolina, 90% finance part of their studies with federal loans, at an average of $9,511 each per year.
Repeating that yearly amount projects to about $19,022 in two years and roughly $38,044 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 90% |
| Average federal loan per year | $9,511 |
| Undergraduates with a federal loan | 2,464 |
| Total federal loans (one year) | $23,434,739 |
The median student at Strayer University - North Carolina borrows $14,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,000 |
| Students who completed (graduates) | $40,621 |
| Students who withdrew | $12,592 |
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 Strayer University - North Carolina.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $4,667 |
| 75th percentile | $26,250 |
| 90th percentile (highest-debt students) | $43,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Strayer University - North Carolina.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Strayer University - North Carolina.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4995 | $8,000 |
| Completed (graduates) | 1384 | $8,554 |
| Did not complete | 3611 | $7,835 |
On a standard 10-year plan, the median completing borrower would pay about $101.72/mo.
Federal data lets us separate Stafford borrowers from the rest at Strayer University - North Carolina.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4953 | $8,000 |
| No Stafford loan | 42 | $4,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3585 | $7,504 |
| No Stafford loan this year | 1410 | $9,309 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Strayer University - North Carolina.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Strayer University - North Carolina follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 25801 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,667 |
| Middle income | $20,636 |
| High income | $22,364 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,558 |
| Continuing-generation students | $17,275 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $15,040 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Strayer University - North Carolina.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.