by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Pittsburgh-Bradford, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Pitt Bradford, 63% of new students use loans toward freshman-year expenses, with a typical loan of $8,090 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,274, representing 95.9% 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.
For undergraduates overall at Pitt Bradford, 63% rely on federal student loans toward their education, borrowing on average $5,973 per year. That is 13.3% greater than the $5,274 borrowed by freshmen.
Repeating that yearly amount projects to about $11,946 by year two and around $23,892 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $5,973 |
| Undergraduates with a federal loan | 617 |
| Total federal loans (one year) | $3,685,244 |
The median student at Pitt Bradford borrows $20,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,500 |
| Students who completed (graduates) | $24,250 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Pitt Bradford.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $9,750 |
| 75th percentile | $28,150 |
| 90th percentile (highest-debt students) | $33,438 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Pitt Bradford.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Pitt Bradford.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 3593 | $29,237 |
| Completed (graduates) | 2569 | $35,031 |
| Did not complete | 1024 | $20,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $416.56/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 Pitt Bradford.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3557 | $29,400 |
| No Stafford loan | 36 | $18,703 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3220 | $30,006 |
| No Stafford loan this year | 373 | $21,776 |
The indicators below describe what the typical debt costs to pay back at Pitt Bradford.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Pitt Bradford follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.9% |
| Borrowers in the cohort | 8077 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $19,500 |
| Middle income | $20,500 |
| High income | $20,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,500 |
| Continuing-generation students | $20,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,500 |
| Independent students | $20,036 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Pitt Bradford.
Subsidized and 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.