by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Texas A&M University-Kingsville— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Texas A&M Kingsville, 46% of incoming undergraduates borrow in year one, at roughly $6,128 per student, private and federal loans combined.
The average federally funded loan is $5,909. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Texas A&M Kingsville (freshmen included), 43% use federal student loans to help pay for their education, for a typical $6,859 a year. It comes to 16.1% above the freshman federal average of $5,909.
Borrowing at that rate every year works out to about $13,718 by year two and around $27,436 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 | 43% |
| Average federal loan per year | $6,859 |
| Undergraduates with a federal loan | 1,975 |
| Total federal loans (one year) | $13,546,798 |
The median student at Texas A&M Kingsville borrows $15,873 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,873 |
| Students who completed (graduates) | $22,934 |
| Students who withdrew | $8,254 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Kingsville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,000 |
| 75th percentile | $23,573 |
| 90th percentile (highest-debt students) | $31,303 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Texas A&M Kingsville.
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 Kingsville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 716 | $12,896 |
| Completed (graduates) | 421 | $14,224 |
| Did not complete | 295 | $11,405 |
On a standard 10-year plan, the median completing borrower would pay about $169.14/mo.
Federal data lets us separate Stafford borrowers from the rest at Texas A&M Kingsville.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 705 | — |
| No Stafford loan | 11 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 675 | $12,938 |
| No Stafford loan this year | 41 | $12,460 |
These figures turn the debt totals into a monthly repayment picture for Texas A&M Kingsville.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Texas A&M Kingsville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.9% |
| Borrowers in the cohort | 2315 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,027 |
| Middle income | $15,676 |
| High income | $15,450 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,000 |
| Continuing-generation students | $15,048 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $18,750 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texas A&M Kingsville.
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
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.