by our College Data Analytics TeamThis page focuses on the debt students take on to attend SUNY College of Optometry, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at SUNY Optometry.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,100 |
| 25th percentile | $4,900 |
| 75th percentile | $7,500 |
| 90th percentile (highest-debt students) | $7,600 |
How wide this percentile range is tells you how much borrowing varies across students at SUNY Optometry.
These figures turn the debt totals into a monthly repayment picture for SUNY Optometry.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for SUNY Optometry appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 71 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The Difference Between 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.
Did You Know?
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.