by our College Data Analytics TeamHere you will find what students actually borrow to attend SUNY at Fredonia: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at SUNY Fredonia, 73% of incoming undergraduates borrow in year one, borrowing on average $7,146 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,312, amounting to 96.6% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at SUNY Fredonia, 65% rely on federal student loans toward their education, with a mean of $6,285 a year. That is 18.3% more than the $5,312 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $12,570 over two years and about $25,140 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 65% |
| Average federal loan per year | $6,285 |
| Undergraduates with a federal loan | 1,873 |
| Total federal loans (one year) | $11,772,486 |
The median student at SUNY Fredonia borrows $17,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,500 |
| Students who completed (graduates) | $24,250 |
| Students who withdrew | $10,376 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for SUNY Fredonia.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,000 |
| 25th percentile | $9,250 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,972 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at SUNY Fredonia.
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 SUNY Fredonia.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 567 | $15,000 |
| Completed (graduates) | 307 | $17,580 |
| Did not complete | 260 | $10,963 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $209.04/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 SUNY Fredonia.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 539 | $15,000 |
| No Stafford loan this year | 28 | $11,973 |
The indicators below describe what the typical debt costs to pay back at SUNY Fredonia.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for SUNY Fredonia follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.5% |
| Borrowers in the cohort | 1490 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $15,750 |
| High income | $19,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,229 |
| Continuing-generation students | $19,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,500 |
| Independent students | $20,834 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at SUNY Fredonia.
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.
Important to Remember
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.