by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Saint Francis-Fort Wayne, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At University of St. Francis Fort Wayne, 58% of freshmen borrow to help pay for their first year, borrowing on average $6,576 per borrower, covering both private and federal loans.
On the federal side, the average loan is $4,757, which is 86.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at University of St. Francis Fort Wayne, 61% take out federal student loans, for a typical $6,249 in federal loans per year. This works out to 31.4% above the $4,757 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $12,498 by year two and around $24,996 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $6,249 |
| Undergraduates with a federal loan | 983 |
| Total federal loans (one year) | $6,142,902 |
The median student at University of St. Francis Fort Wayne borrows $18,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,750 |
| Students who completed (graduates) | $25,976 |
| Students who withdrew | $7,922 |
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 University of St. Francis Fort Wayne.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,001 |
| 25th percentile | $6,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $34,082 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at University of St. Francis Fort Wayne.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at University of St. Francis Fort Wayne.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 382 | $15,140 |
| Completed (graduates) | 259 | $18,705 |
| Did not complete | 123 | $12,597 |
On a standard 10-year plan, the median completing borrower would pay about $222.42/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at University of St. Francis Fort Wayne.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 347 | $15,410 |
| No Stafford loan this year | 35 | $12,684 |
These figures turn the debt totals into a monthly repayment picture for University of St. Francis Fort Wayne.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for University of St. Francis Fort Wayne appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.8% |
| Borrowers in the cohort | 761 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,000 |
| Middle income | $19,000 |
| High income | $19,599 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,103 |
| Continuing-generation students | $19,725 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,500 |
| Independent students | $17,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at University of St. Francis Fort Wayne.
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.
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.