by our College Data Analytics TeamHere you will find what students actually borrow to attend Stockton University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Stockton State, 51% of incoming undergraduates borrow in year one, borrowing on average $8,525 per borrower, covering both private and federal loans.
The average federally funded loan is $5,238, or about 95.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Stockton State, freshmen included, 50% finance part of their studies with federal loans, borrowing on average $6,599 in federal loans per year. This works out to 26.0% more than the $5,238 freshmen take on.
Borrowing the same amount each year would add up to roughly $13,198 across two years and $26,396 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $6,599 |
| Undergraduates with a federal loan | 3,851 |
| Total federal loans (one year) | $25,413,952 |
The median student at Stockton State borrows $16,380 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,380 |
| Students who completed (graduates) | $20,500 |
| Students who withdrew | $8,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Stockton State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,000 |
| 25th percentile | $9,500 |
| 75th percentile | $26,298 |
| 90th percentile (highest-debt students) | $31,000 |
How wide this percentile range is tells you how much borrowing varies across students at Stockton State.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Stockton State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1106 | $20,647 |
| Completed (graduates) | 691 | $23,182 |
| Did not complete | 415 | $17,000 |
On a standard 10-year plan, the median completing borrower would pay about $275.66/mo.
Federal data lets us separate Stafford borrowers from the rest at Stockton State.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1091 | — |
| No Stafford loan | 15 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1002 | $20,448 |
| No Stafford loan this year | 104 | $22,586 |
The indicators below describe what the typical debt costs to pay back at Stockton State.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Stockton State is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.2% |
| Borrowers in the cohort | 1950 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,750 |
| Middle income | $16,014 |
| High income | $17,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,250 |
| Continuing-generation students | $17,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,750 |
| Independent students | $19,592 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Stockton State.
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.