by our College Data Analytics TeamThis page focuses on the debt students take on to attend Temple College— 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.
At Temple College specifically, 31% of new students use loans toward freshman-year expenses, borrowing on average $4,680 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,680, equal to roughly 85.1% 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.
Counting every undergraduate at Temple College, 31% borrow through federal student loan programs, for a typical $6,653 each per year. This is 42.2% larger than the first-year federal average of $4,680.
Borrowing at that rate every year works out to about $13,306 after two years and $26,612 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 31% |
| Average federal loan per year | $6,653 |
| Undergraduates with a federal loan | 994 |
| Total federal loans (one year) | $6,613,399 |
Graduating and withdrawing students at Temple College carry a median federal debt of $7,991 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,991 |
| Students who completed (graduates) | $12,813 |
| Students who withdrew | $6,377 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Temple College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,018 |
| 25th percentile | $3,500 |
| 75th percentile | $15,000 |
| 90th percentile (highest-debt students) | $28,089 |
How wide this percentile range is tells you how much borrowing varies across students at Temple College.
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 Temple College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 296 | $12,940 |
| Completed (graduates) | 53 | $10,458 |
| Did not complete | 243 | $13,790 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $124.36/mo.
Federal data lets us separate Stafford borrowers from the rest at Temple College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 119 | $10,000 |
| No Stafford loan this year | 177 | $15,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Temple College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Temple College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.2% |
| Borrowers in the cohort | 1428 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,159 |
| Middle income | $7,500 |
| High income | $8,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,192 |
| Continuing-generation students | $6,897 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,750 |
| Independent students | $9,451 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Temple College.
The Difference Between Subsidized and 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.
Did You Know?
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.