by our College Data Analytics TeamThis page focuses on the debt students take on to attend Texas A&M University-Central Texas, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Texas A & M University - Central Texas, 20% of first-year students take on loan debt, borrowing on average $1,265 per student, private and federal loans combined.
Federal loans alone average $1,265, representing 23.0% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Texas A & M University - Central Texas (freshmen included), 46% rely on federal student loans toward their education, with a mean of $7,782 a year. This is 515.2% greater than the $1,265 borrowed by freshmen.
Borrowing at that rate every year works out to about $15,564 over two years and about $31,128 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $7,782 |
| Undergraduates with a federal loan | 773 |
| Total federal loans (one year) | $6,015,583 |
Graduating and withdrawing students at Texas A & M University - Central Texas carry a median federal debt of $13,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,000 |
| Students who completed (graduates) | $17,750 |
| Students who withdrew | $9,341 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Texas A & M University - Central Texas.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,130 |
| 25th percentile | $5,500 |
| 75th percentile | $18,750 |
| 90th percentile (highest-debt students) | $25,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Texas A & M University - Central Texas.
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 University - Central Texas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 149 | $9,000 |
| Completed (graduates) | 70 | $9,108 |
| Did not complete | 79 | $8,000 |
On a standard 10-year plan, the median completing borrower would pay about $108.3/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Texas A & M University - Central Texas.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 96 | $8,344 |
| No Stafford loan this year | 53 | $12,452 |
These figures turn the debt totals into a monthly repayment picture for Texas A & M University - Central Texas.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $13,500 |
| High income | $12,816 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,302 |
| Continuing-generation students | $12,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,750 |
| Independent students | $14,292 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texas A & M University - Central Texas.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
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.