by our College Data Analytics TeamHere you will find what students actually borrow to attend Texas A&M University-College Station, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Texas A&M College Station, 28% of freshmen borrow to help pay for their first year, at roughly $8,684 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,989, or about 90.7% 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.
Looking at all undergraduates at Texas A&M College Station, freshmen included, 26% use federal student loans to help pay for their education, at an average of $6,006 per year. That is 20.4% greater than the freshman federal average of $4,989.
Borrowing at that rate every year works out to about $12,012 over two years and about $24,024 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $6,006 |
| Undergraduates with a federal loan | 15,356 |
| Total federal loans (one year) | $92,232,017 |
The median student at Texas A&M College Station borrows $15,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $17,804 |
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Texas A&M College Station.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $7,207 |
| 75th percentile | $24,500 |
| 90th percentile (highest-debt students) | $30,735 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Texas A&M College Station.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Texas A&M College Station.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 5260 | $30,000 |
| Completed (graduates) | 4283 | $32,258 |
| Did not complete | 977 | $23,058 |
On a standard 10-year plan, the median completing borrower would pay about $383.58/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Texas A&M College Station.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 5062 | $30,048 |
| No Stafford loan | 198 | $24,522 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 4827 | $30,733 |
| No Stafford loan this year | 433 | $21,393 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Texas A&M College Station.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Texas A&M College Station is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.3% |
| Borrowers in the cohort | 6313 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,612 |
| Middle income | $15,000 |
| High income | $15,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,250 |
| Continuing-generation students | $15,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $18,000 |
Federal data publishes the following gap measures for Texas A&M College Station.
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.
Important to Remember
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.