by our College Data Analytics TeamHere you will find what students actually borrow to attend The Temple - A Paul Mitchell Partner School: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At The TEMPLE Frederick, 53% of first-year students take on loan debt, with a typical loan of $8,513 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $8,513. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at The TEMPLE Frederick, 45% borrow through federal student loan programs, borrowing on average $7,207 annually. This is 15.3% smaller than the freshman federal average of $8,513.
Repeating that yearly amount projects to about $14,414 after two years and $28,828 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 | 45% |
| Average federal loan per year | $7,207 |
| Undergraduates with a federal loan | 98 |
| Total federal loans (one year) | $706,272 |
The middle borrower at The TEMPLE Frederick owes $9,833 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,833 |
| Students who completed (graduates) | $9,833 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for The TEMPLE Frederick.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $14,660 |
| 90th percentile (highest-debt students) | $16,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at The TEMPLE Frederick.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for The TEMPLE Frederick.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 78 | $10,434 |
The indicators below describe what the typical debt costs to pay back at The TEMPLE Frederick.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for The TEMPLE Frederick follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.7% |
| Borrowers in the cohort | 106 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,833 |
| Middle income | $9,833 |
| High income | $9,833 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,833 |
| Continuing-generation students | $9,833 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,833 |
| Independent students | $14,030 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at The TEMPLE Frederick.
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.
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.