by our College Data Analytics TeamHere you will find what students actually borrow to attend Baptist University of Florida, 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 BCF, 30% of first-year students take on loan debt, at roughly $6,583 each, across private and federal loan sources.
The typical federal loan comes to $5,900. This reaches or tops the $5,500 first-year federal borrowing cap for a 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 BCF, 26% rely on federal student loans toward their education, for a typical $5,539 annually. That is 6.1% below the $5,900 freshmen take on.
Repeating that yearly amount projects to about $11,078 across two years and $22,156 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $5,539 |
| Undergraduates with a federal loan | 63 |
| Total federal loans (one year) | $348,938 |
The median student at BCF borrows $17,073 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,073 |
| Students who completed (graduates) | $23,590 |
| Students who withdrew | $10,839 |
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 BCF.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $4,795 |
| 75th percentile | $24,125 |
| 90th percentile (highest-debt students) | $31,811 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at BCF.
The indicators below describe what the typical debt costs to pay back at BCF.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for BCF appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 126 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Middle income | $15,152 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,500 |
| Continuing-generation students | $21,402 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,076 |
| Independent students | $18,465 |
Federal data publishes the following gap measures for BCF.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.