by our College Data Analytics TeamBelow is federal data on the loans students use to pay for SUNY Maritime College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at SUNY Maritime College, 48% of first-year students take on loan debt, borrowing on average $10,047 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,330, amounting to 96.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at SUNY Maritime College, 39% use federal student loans to help pay for their education, for a typical $6,344 per year. That amounts to 19.0% above the freshman federal average of $5,330.
Repeating that yearly amount projects to about $12,688 after two years and $25,376 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $6,344 |
| Undergraduates with a federal loan | 482 |
| Total federal loans (one year) | $3,057,987 |
Graduating and withdrawing students at SUNY Maritime College carry a median federal debt of $15,875 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,875 |
| Students who completed (graduates) | $23,250 |
| Students who withdrew | $7,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for SUNY Maritime College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $9,250 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $36,125 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at SUNY Maritime College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for SUNY Maritime College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 269 | $28,390 |
| Completed (graduates) | 133 | $38,700 |
| Did not complete | 136 | $21,016 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $460.18/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at SUNY Maritime College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 259 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 251 | — |
| No Stafford loan this year | 18 | — |
The indicators below describe what the typical debt costs to pay back at SUNY Maritime College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for SUNY Maritime College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.4% |
| Borrowers in the cohort | 273 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $16,250 |
| Middle income | $17,500 |
| High income | $15,089 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,909 |
| Continuing-generation students | $15,045 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,750 |
| Independent students | $14,000 |
Federal data publishes the following gap measures for SUNY Maritime College.
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.
Worth Knowing
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.
