University of St Francis Student Debt & Borrowing

Below is federal data on the loans students use to pay for University of St Francis: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.

Freshman Loans
Average Undergraduate Loans
How Much Students Borrow
How Debt Is Distributed
Total Borrowing Including PLUS Loans
Borrowing by Loan Type
Repayment Burden
Student Loan Default Rates
Who Borrows the Most
Debt Equity Indicators
Understanding Student Loans
References

What Incoming Students Borrow at University of St Francis

At University of Saint Francis specifically, 57% of incoming undergraduates borrow in year one, at roughly $6,987 per borrower, covering both private and federal loans.

On the federal side, the average loan is $5,313, or about 96.6% 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.

Average Federal Loans for Undergrads at University of St Francis

Looking at all undergraduates at University of Saint Francis, freshmen included, 83% rely on federal student loans toward their education, for a typical $4,637 each per year. It comes to 12.7% less than the $5,313 typical freshmen borrow.

Carrying that yearly figure forward comes to roughly $9,274 over two years and about $18,548 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.

Undergraduate federal borrowing	Value
Share using federal loans	83%
Average federal loan per year	$4,637
Undergraduates with a federal loan	1,063
Total federal loans (one year)	$4,928,614

Typical Student Debt at University of St Francis

Graduating and withdrawing students at University of Saint Francis carry a median federal debt of $16,500 in federal borrowing.

Borrower group	Median federal debt
All federal borrowers	$16,500
Students who completed (graduates)	$21,079
Students who withdrew	$8,750

Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.

How Debt Is Distributed Across Students

The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for University of Saint Francis.

Percentile	Cumulative Federal Debt
10th percentile (lowest-debt students)	$5,000
25th percentile	$10,000
75th percentile	$27,890
90th percentile (highest-debt students)	$37,500

How wide this percentile range is tells you how much borrowing varies across students at University of Saint Francis.

Total Federal Debt With PLUS Loans for University of St Francis

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 Saint Francis.

Group	Borrowers	Median debt incl. PLUS
All borrowers	799	$19,460
Completed (graduates)	374	$24,148
Did not complete	425	$16,000

For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $287.15/mo.

Stafford vs Other Federal Borrowing at University of St Francis

The split below distinguishes Stafford borrowers from non-Stafford borrowers at University of Saint Francis.

Any-Stafford Borrowers

Cohort	Borrowers	Median debt incl. PLUS
Used a Stafford loan	787	—
No Stafford loan	12	—

Stafford This Year vs Not

Cohort	Borrowers	Median debt incl. PLUS
Stafford loan this year	482	$20,358
No Stafford loan this year	317	$18,300

What It Costs to Repay at University of St Francis

The indicators below describe what the typical debt costs to pay back at University of Saint Francis.

Standard-plan monthly payment: $223.47/mo for completing borrowers on a standard schedule
Overall burden tier: Low ($10-20k)
Debt spread across cohorts: approximately $32,500 between the lowest- and highest-debt typical-borrower cohort

How Often Borrowers Default at University of St Francis

Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for University of Saint Francis follows.

Metric	Value
2-year cohort default rate	3.4%
Borrowers in the cohort	730

The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.

Median Debt by Student Group at University of St Francis

Borrowing varies by family income, by first-generation status, and by dependency status.

Borrowing by Income Tier

Income tier	Median federal debt
Low income	$16,600
Middle income	$17,160
High income	$15,750

First-Gen vs Continuing-Gen Borrowing

Cohort	Median federal debt
First-generation students	$16,991
Continuing-generation students	$15,360

Dependent vs Independent Borrowers

Cohort	Median federal debt
Dependent students	$15,750
Independent students	$19,554

Borrowing Gaps Between Student Groups at University of St Francis

Federal data publishes the following gap measures for University of Saint Francis.

Pell-recipient debt differential: $2,000
Difference for first-generation students: $1,631
Spread across income brackets: $850
Difference in median debt by gender: $1,000
Pell inequity indicator: Yes — federal data flags this school for above-typical Pell-recipient debt inequity

Student Loan Basics

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.

Worth Knowing

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.

External Resources

References

More about our data sources and methodologies.