by our College Data Analytics TeamHere you will find what students actually borrow to attend Texas A & M International University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Texas A&M International University, 13% of incoming undergraduates borrow in year one, with a typical loan of $4,431 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $4,343, representing 79.0% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Texas A&M International University, 28% rely on federal student loans toward their education, with a mean of $5,724 per year. That amounts to 31.8% greater than the first-year federal average of $4,343.
At a steady annual pace, that totals around $11,448 across two years and $22,896 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $5,724 |
| Undergraduates with a federal loan | 1,813 |
| Total federal loans (one year) | $10,378,112 |
The median student at Texas A&M International University borrows $11,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,000 |
| Students who completed (graduates) | $15,000 |
| Students who withdrew | $6,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Texas A&M International University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $4,500 |
| 75th percentile | $18,250 |
| 90th percentile (highest-debt students) | $26,621 |
How wide this percentile range is tells you how much borrowing varies across students at Texas A&M International University.
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 Texas A&M International University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 236 | $10,000 |
| Completed (graduates) | 117 | $8,721 |
| Did not complete | 119 | $11,262 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $103.7/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 Texas A&M International University.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 172 | $8,086 |
| No Stafford loan this year | 64 | $14,615 |
The indicators below describe what the typical debt costs to pay back at Texas A&M International University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Texas A&M International University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.9% |
| Borrowers in the cohort | 1239 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,998 |
| Middle income | $10,076 |
| High income | $12,543 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,976 |
| Continuing-generation students | $11,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,750 |
| Independent students | $15,112 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texas A&M International University.
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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.