by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Strayer University-Texas, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Strayer University - Texas, 0% of freshmen borrow to help pay for their first year.
Among all degree-seeking undergrads at Strayer University - Texas, 86% borrow through federal student loan programs, for a typical $9,545 each per year.
Carrying that yearly figure forward comes to roughly $19,090 after two years and $38,180 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 86% |
| Average federal loan per year | $9,545 |
| Undergraduates with a federal loan | 2,053 |
| Total federal loans (one year) | $19,595,306 |
The median student at Strayer University - Texas borrows $14,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,000 |
| Students who completed (graduates) | $40,621 |
| Students who withdrew | $12,592 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Strayer University - Texas.
| 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 - Texas.
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 - Texas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 4995 | $8,000 |
| Completed (graduates) | 1384 | $8,554 |
| Did not complete | 3611 | $7,835 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $101.72/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Strayer University - Texas.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 4953 | $8,000 |
| No Stafford loan | 42 | $4,000 |
Borrowers With a Stafford Loan This Year
| 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 - Texas.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Strayer University - Texas appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 25801 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| 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 |
Federal data publishes the following gap measures for Strayer University - Texas.
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.
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.