by our College Data Analytics TeamThis page focuses on the debt students take on to attend Strayer University-Virginia— 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.
For incoming students at Strayer University - Virginia, 25% of first-year students take on loan debt, borrowing on average $7,601 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $7,601. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Strayer University - Virginia, freshmen included, 68% borrow through federal student loan programs, with a mean of $9,178 annually. It comes to 20.7% higher than the $7,601 freshmen take on.
Borrowing the same amount each year would add up to roughly $18,356 across two years and $36,712 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $9,178 |
| Undergraduates with a federal loan | 1,374 |
| Total federal loans (one year) | $12,610,323 |
The median student at Strayer University - Virginia 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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Strayer University - Virginia.
| 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 - Virginia.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Strayer University - Virginia.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Strayer University - Virginia.
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 |
These figures turn the debt totals into a monthly repayment picture for Strayer University - Virginia.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Strayer University - Virginia 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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,667 |
| Middle income | $20,636 |
| High income | $22,364 |
By First-Generation Status
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Strayer University - Virginia.
Subsidized vs. 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.
Important to Remember
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.