by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Pittsburgh-Titusville— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Pitt Titusville specifically, 77% of new students use loans toward freshman-year expenses, for an average of $8,284 each, across private and federal loan sources.
The average federal loan is $5,013, equal to roughly 91.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Pitt Titusville, 79% finance part of their studies with federal loans, with a mean of $6,405 in federal loans per year. This works out to 27.8% greater than the $5,013 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,810 over two years and about $25,620 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $6,405 |
| Undergraduates with a federal loan | 22 |
| Total federal loans (one year) | $140,912 |
The median student at Pitt Titusville borrows $20,500 in federal borrowing.
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Pitt Titusville.
| 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 Titusville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pitt Titusville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 3593 | $29,237 |
| Completed (graduates) | 2569 | $35,031 |
| Did not complete | 1024 | $20,000 |
On a standard 10-year plan, the median completing borrower would pay about $416.56/mo.
Federal data lets us separate Stafford borrowers from the rest at Pitt Titusville.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 3557 | $29,400 |
| No Stafford loan | 36 | $18,703 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 3220 | $30,006 |
| No Stafford loan this year | 373 | $21,776 |
These figures turn the debt totals into a monthly repayment picture for Pitt Titusville.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Pitt Titusville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.9% |
| Borrowers in the cohort | 8077 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $19,500 |
| Middle income | $20,500 |
| High income | $20,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,500 |
| Continuing-generation students | $20,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,500 |
| Independent students | $20,036 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pitt Titusville.
Subsidized and 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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.