by our College Data Analytics TeamHere you will find what students actually borrow to attend University of New Hampshire-Franklin Pierce School of Law: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
The median student at UNH Franklin Pierce borrows $22,498 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $22,498 |
| Students who completed (graduates) | $26,814 |
| Students who withdrew | $8,750 |
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 UNH Franklin Pierce.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,000 |
How wide this percentile range is tells you how much borrowing varies across students at UNH Franklin Pierce.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UNH Franklin Pierce.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1648 | $30,725 |
| Completed (graduates) | 1106 | $36,545 |
| Did not complete | 542 | $24,555 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $434.56/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at UNH Franklin Pierce.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1637 | — |
| No Stafford loan | 11 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1451 | $32,500 |
| No Stafford loan this year | 197 | $20,000 |
These figures turn the debt totals into a monthly repayment picture for UNH Franklin Pierce.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for UNH Franklin Pierce follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.1% |
| Borrowers in the cohort | 3729 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $22,704 |
| Middle income | $22,997 |
| High income | $21,801 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,580 |
| Continuing-generation students | $22,125 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $22,542 |
| Independent students | $20,200 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UNH Franklin Pierce.
Subsidized and 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
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.