by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Texas A&M University-Texarkana, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Texas A&M Texarkana, 45% of incoming undergraduates borrow in year one, with a typical loan of $6,337 per student, private and federal loans combined.
On the federal side, the average loan is $5,543. This meets or exceeds the $5,500 cap on first-year federal borrowing 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.
Among all degree-seeking undergrads at Texas A&M Texarkana, 45% borrow through federal student loan programs, at an average of $8,298 a year. This is 49.7% higher than the $5,543 borrowed by freshmen.
At a steady annual pace, that totals around $16,596 in two years and roughly $33,192 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $8,298 |
| Undergraduates with a federal loan | 805 |
| Total federal loans (one year) | $6,680,149 |
Graduating and withdrawing students at Texas A&M Texarkana carry a median federal debt of $12,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $18,953 |
| Students who withdrew | $6,610 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Texas A&M Texarkana.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,619 |
| 25th percentile | $4,807 |
| 75th percentile | $18,000 |
| 90th percentile (highest-debt students) | $27,040 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Texas A&M Texarkana.
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 Texarkana.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 164 | $8,896 |
| Completed (graduates) | 62 | $8,000 |
| Did not complete | 102 | $9,381 |
On a standard 10-year plan, the median completing borrower would pay about $95.13/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 Texarkana.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 129 | $9,000 |
| No Stafford loan this year | 35 | $8,100 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Texas A&M Texarkana.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Texas A&M Texarkana appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.9% |
| Borrowers in the cohort | 258 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $11,862 |
| High income | $12,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $12,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,000 |
| Independent students | $16,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texas A&M Texarkana.
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?
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.