by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Strayer University-Tennessee: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Strayer University - Tennessee, 50% of incoming students take out a loan to help cover first-year costs, borrowing on average $9,742 per borrower, covering both private and federal loans.
The typical federal loan comes to $9,742. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Strayer University - Tennessee, 92% rely on federal student loans toward their education, at an average of $9,648 annually. This is 1.0% lower than the $9,742 borrowed by freshmen.
Borrowing at that rate every year works out to about $19,296 in two years and roughly $38,592 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 92% |
| Average federal loan per year | $9,648 |
| Undergraduates with a federal loan | 2,445 |
| Total federal loans (one year) | $23,588,679 |
Graduating and withdrawing students at Strayer University - Tennessee carry a median federal debt of $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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Strayer University - Tennessee.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Strayer University - Tennessee.
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 Strayer University - Tennessee.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4995 | $8,000 |
| Completed (graduates) | 1384 | $8,554 |
| Did not complete | 3611 | $7,835 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $101.72/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Strayer University - Tennessee.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4953 | $8,000 |
| No Stafford loan | 42 | $4,000 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3585 | $7,504 |
| No Stafford loan this year | 1410 | $9,309 |
The indicators below describe what the typical debt costs to pay back at Strayer University - Tennessee.
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 - Tennessee appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 25801 |
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.
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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $15,040 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Strayer University - Tennessee.
The Difference Between 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.