by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Texas Wesleyan University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Texas Wesleyan, 40% of first-year students take on loan debt, at roughly $6,599 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,043, which is 91.7% 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 Wesleyan, 45% rely on federal student loans toward their education, for a typical $6,087 in federal loans per year. That is 20.7% larger than the $5,043 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,174 after two years and $24,348 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $6,087 |
| Undergraduates with a federal loan | 746 |
| Total federal loans (one year) | $4,541,091 |
The median student at Texas Wesleyan borrows $13,992 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,992 |
| Students who completed (graduates) | $23,125 |
| Students who withdrew | $7,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Texas Wesleyan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $34,895 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Texas Wesleyan.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Texas Wesleyan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 262 | $19,068 |
| Completed (graduates) | 156 | $19,086 |
| Did not complete | 106 | $19,068 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $226.95/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Texas Wesleyan.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 237 | $18,910 |
| No Stafford loan this year | 25 | $19,425 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Texas Wesleyan.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Texas Wesleyan appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.5% |
| Borrowers in the cohort | 1143 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $16,700 |
| Middle income | $13,000 |
| High income | $11,875 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $13,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $23,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Texas Wesleyan.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.