by our College Data Analytics TeamHere you will find what students actually borrow to attend Urshan University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Urshan College, 47% of first-year students take on loan debt, borrowing on average $2,798 each, across private and federal loan sources.
The average federally funded loan is $2,798, which is 50.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Urshan College, 46% borrow through federal student loan programs, with a mean of $3,642 each per year. That amounts to 30.2% above the freshman federal average of $2,798.
At a steady annual pace, that totals around $7,284 after two years and $14,568 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $3,642 |
| Undergraduates with a federal loan | 234 |
| Total federal loans (one year) | $852,320 |
The middle borrower at Urshan College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who withdrew | $5,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
These figures turn the debt totals into a monthly repayment picture for Urshan College.
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 |
|---|---|
| High income | $6,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Urshan College.
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.
Worth Knowing
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.