by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Guam— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At UOG, 9% of new students use loans toward freshman-year expenses, with a typical loan of $4,784 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,784, which is 87.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at UOG, freshmen included, 13% use federal student loans to help pay for their education, averaging $5,249 in federal loans per year. This works out to 9.7% higher than the $4,784 freshmen take on.
Borrowing at that rate every year works out to about $10,498 after two years and $20,996 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 13% |
| Average federal loan per year | $5,249 |
| Undergraduates with a federal loan | 326 |
| Total federal loans (one year) | $1,711,013 |
The median student at UOG borrows $12,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,500 |
| Students who completed (graduates) | $16,786 |
| Students who withdrew | $10,771 |
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 UOG.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,500 |
| 75th percentile | $23,650 |
| 90th percentile (highest-debt students) | $33,079 |
How wide this percentile range is tells you how much borrowing varies across students at UOG.
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 UOG.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 59 | $25,315 |
Federal data lets us separate Stafford borrowers from the rest at UOG.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 25 | $10,916 |
| No Stafford loan this year | 34 | $35,355 |
These figures turn the debt totals into a monthly repayment picture for UOG.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for UOG appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.3% |
| Borrowers in the cohort | 254 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $10,500 |
| Middle income | $13,600 |
| High income | $14,286 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,225 |
| Continuing-generation students | $13,072 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $13,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at UOG.
Subsidized vs. 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.
Important to Remember
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.