by our College Data Analytics TeamHere you will find what students actually borrow to attend Texas A & M University-Corpus Christi, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Texas A&M Corpus Christi, 45% of first-year students take on loan debt, with a typical loan of $6,447 per student, private and federal loans combined.
The average federally funded loan is $5,392, amounting to 98.0% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Texas A&M Corpus Christi, 42% take out federal student loans, at an average of $6,476 in federal loans per year. It comes to 20.1% higher than the $5,392 freshmen take on.
Repeating that yearly amount projects to about $12,952 in two years and roughly $25,904 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 42% |
| Average federal loan per year | $6,476 |
| Undergraduates with a federal loan | 3,252 |
| Total federal loans (one year) | $21,060,731 |
Graduating and withdrawing students at Texas A&M Corpus Christi carry a median federal debt of $15,273 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,273 |
| Students who completed (graduates) | $23,000 |
| Students who withdrew | $8,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Texas A&M Corpus Christi.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $35,169 |
How wide this percentile range is tells you how much borrowing varies across students at Texas A&M Corpus Christi.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Texas A&M Corpus Christi.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2164 | $18,606 |
| Completed (graduates) | 879 | $25,348 |
| Did not complete | 1285 | $16,292 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $301.41/mo.
Federal data lets us separate Stafford borrowers from the rest at Texas A&M Corpus Christi.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2104 | $18,976 |
| No Stafford loan | 60 | $14,456 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1947 | $19,243 |
| No Stafford loan this year | 217 | $14,300 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Texas A&M Corpus Christi.
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 Texas A&M Corpus Christi appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.2% |
| Borrowers in the cohort | 2018 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $17,000 |
| Middle income | $15,500 |
| High income | $13,125 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $13,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,000 |
| Independent students | $19,837 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texas A&M Corpus Christi.
The Difference Between Subsidized and 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.
Did You Know?
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.