by our College Data Analytics TeamHere you will find what students actually borrow to attend University of Wisconsin-Platteville, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at UW - Platteville, 48% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,191 each, across private and federal loan sources.
The average federal loan is $4,881, representing 88.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at UW - Platteville, 45% finance part of their studies with federal loans, borrowing on average $5,777 a year. That is 18.4% larger than the $4,881 typical freshmen borrow.
Borrowing at that rate every year works out to about $11,554 across two years and $23,108 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $5,777 |
| Undergraduates with a federal loan | 2,652 |
| Total federal loans (one year) | $15,320,358 |
The median student at UW - Platteville borrows $15,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $21,977 |
| Students who withdrew | $6,115 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UW - Platteville.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,639 |
| 25th percentile | $7,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UW - Platteville.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UW - Platteville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 547 | $13,238 |
| Completed (graduates) | 348 | $15,000 |
| Did not complete | 199 | $10,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $178.37/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UW - Platteville.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 462 | $14,041 |
| No Stafford loan this year | 85 | $9,342 |
The indicators below describe what the typical debt costs to pay back at UW - Platteville.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for UW - Platteville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.4% |
| Borrowers in the cohort | 1680 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $12,666 |
| Middle income | $14,260 |
| High income | $17,121 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,458 |
| Independent students | $12,249 |
Federal data publishes the following gap measures for UW - Platteville.
Subsidized vs. 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
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.