by our College Data Analytics TeamBelow is federal data on the loans students use to pay for SUNY Brockport— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at SUNY Brockport, 67% of new students use loans toward freshman-year expenses, for an average of $6,967 per student, private and federal loans combined.
The average federal loan is $4,899, equal to roughly 89.1% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at SUNY Brockport (freshmen included), 61% rely on federal student loans toward their education, for a typical $6,270 in federal loans per year. That is 28.0% greater than the $4,899 typical freshmen borrow.
Repeating that yearly amount projects to about $12,540 in two years and roughly $25,080 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $6,270 |
| Undergraduates with a federal loan | 3,257 |
| Total federal loans (one year) | $20,422,145 |
The median student at SUNY Brockport borrows $15,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $8,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at SUNY Brockport.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,000 |
| 25th percentile | $7,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $30,900 |
How wide this percentile range is tells you how much borrowing varies across students at SUNY Brockport.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for SUNY Brockport.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1191 | $15,000 |
| Completed (graduates) | 625 | $16,353 |
| Did not complete | 566 | $13,068 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $194.45/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at SUNY Brockport.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1175 | — |
| No Stafford loan | 16 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1002 | $14,679 |
| No Stafford loan this year | 189 | $19,383 |
These figures turn the debt totals into a monthly repayment picture for SUNY Brockport.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for SUNY Brockport follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.1% |
| Borrowers in the cohort | 2261 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $15,466 |
| Middle income | $15,000 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $15,444 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at SUNY Brockport.
Subsidized vs. 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
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.