by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Cincinnati-Blue Ash College: 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 UC Blue Ash College, 43% of first-year students take on loan debt, with a typical loan of $6,486 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,153, representing 93.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at UC Blue Ash College, freshmen included, 39% take out federal student loans, with a mean of $5,628 each per year. That is 9.2% more than the $5,153 borrowed by freshmen.
Repeating that yearly amount projects to about $11,256 by year two and around $22,512 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $5,628 |
| Undergraduates with a federal loan | 1,585 |
| Total federal loans (one year) | $8,919,636 |
Graduating and withdrawing students at UC Blue Ash College carry a median federal debt of $12,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $21,250 |
| Students who withdrew | $6,250 |
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 UC Blue Ash College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,800 |
| 25th percentile | $5,500 |
| 75th percentile | $25,834 |
| 90th percentile (highest-debt students) | $34,105 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UC Blue Ash College.
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 UC Blue Ash College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 6279 | $20,000 |
| Completed (graduates) | 3803 | $23,602 |
| Did not complete | 2476 | $16,936 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $280.65/mo.
Federal data lets us separate Stafford borrowers from the rest at UC Blue Ash College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 6165 | $20,000 |
| No Stafford loan | 114 | $20,133 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 5563 | $20,432 |
| No Stafford loan this year | 716 | $16,653 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UC Blue Ash College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for UC Blue Ash College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.6% |
| Borrowers in the cohort | 9406 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $12,000 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,833 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $14,112 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UC Blue Ash College.
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.
Worth Knowing
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.