by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Northwestern Ohio, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At University of Northwestern Ohio specifically, 62% of freshmen borrow to help pay for their first year, with a typical loan of $7,942 per student, private and federal loans combined.
On the federal side, the average loan is $5,486, or about 99.7% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at University of Northwestern Ohio (freshmen included), 58% take out federal student loans, averaging $6,823 a year. This works out to 24.4% above the freshman federal average of $5,486.
Borrowing at that rate every year works out to about $13,646 over two years and about $27,292 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $6,823 |
| Undergraduates with a federal loan | 1,501 |
| Total federal loans (one year) | $10,240,867 |
The middle borrower at University of Northwestern Ohio owes $12,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $17,084 |
| Students who withdrew | $6,584 |
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 University of Northwestern Ohio.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,167 |
| 25th percentile | $5,333 |
| 75th percentile | $23,134 |
| 90th percentile (highest-debt students) | $31,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at University of Northwestern Ohio.
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 University of Northwestern Ohio.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 738 | $16,574 |
| Completed (graduates) | 260 | $23,727 |
| Did not complete | 478 | $13,821 |
On a standard 10-year plan, the median completing borrower would pay about $282.14/mo.
Federal data lets us separate Stafford borrowers from the rest at University of Northwestern Ohio.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 725 | — |
| No Stafford loan | 13 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 697 | $16,780 |
| No Stafford loan this year | 41 | $12,998 |
Repayment burden translates the debt figures into what a borrower actually pays each month. University of Northwestern Ohio.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for University of Northwestern Ohio appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 1893 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $12,000 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,587 |
| Independent students | $18,250 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at University of Northwestern Ohio.
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.
Important to Remember
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.