by our College Data Analytics TeamHere you will find what students actually borrow to attend University of New Haven— 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.
Among first-year students at University of New Haven, 92% of new students use loans toward freshman-year expenses, at roughly $10,077 per student, private and federal loans combined.
The average federally funded loan is $5,617. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at University of New Haven (freshmen included), 73% finance part of their studies with federal loans, with a mean of $6,645 in federal loans per year. That amounts to 18.3% above the $5,617 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $13,290 after two years and $26,580 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $6,645 |
| Undergraduates with a federal loan | 3,525 |
| Total federal loans (one year) | $23,423,966 |
The middle borrower at University of New Haven owes $20,475 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,475 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $8,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for University of New Haven.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $8,750 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at University of New Haven.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at University of New Haven.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1304 | $39,045 |
| Completed (graduates) | 825 | $54,414 |
| Did not complete | 479 | $29,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $647.04/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 University of New Haven.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1285 | $39,091 |
| No Stafford loan | 19 | $20,395 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1217 | $42,053 |
| No Stafford loan this year | 87 | $13,424 |
The indicators below describe what the typical debt costs to pay back at University of New Haven.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for University of New Haven follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.4% |
| Borrowers in the cohort | 1420 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $20,500 |
| Middle income | $19,500 |
| High income | $20,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $20,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,361 |
| Independent students | $21,460 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at University of New Haven.
The Difference Between 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.