by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Redlands, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at University of Redlands, 60% of incoming students take out a loan to help cover first-year costs, at roughly $7,740 per student, private and federal loans combined.
The average federal loan is $5,292, or about 96.2% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at University of Redlands, freshmen included, 56% rely on federal student loans toward their education, at an average of $6,950 annually. That is 31.3% above the first-year federal average of $5,292.
At a steady annual pace, that totals around $13,900 over two years and about $27,800 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 | 56% |
| Average federal loan per year | $6,950 |
| Undergraduates with a federal loan | 1,161 |
| Total federal loans (one year) | $8,069,251 |
The median student at University of Redlands borrows $21,250 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $21,250 |
| Students who completed (graduates) | $26,000 |
| Students who withdrew | $12,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at University of Redlands.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,298 |
| 75th percentile | $32,000 |
| 90th percentile (highest-debt students) | $41,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at University of Redlands.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at University of Redlands.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 658 | $23,686 |
| Completed (graduates) | 384 | $28,208 |
| Did not complete | 274 | $20,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $335.42/mo.
Federal data lets us separate Stafford borrowers from the rest at University of Redlands.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 643 | — |
| No Stafford loan | 15 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 595 | $25,898 |
| No Stafford loan this year | 63 | $10,214 |
These figures turn the debt totals into a monthly repayment picture for University of Redlands.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for University of Redlands is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.3% |
| Borrowers in the cohort | 1430 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $20,656 |
| Middle income | $23,000 |
| High income | $20,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $22,000 |
| Continuing-generation students | $19,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $27,597 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at University of Redlands.
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.
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.