by our College Data Analytics TeamThis page focuses on the debt students take on to attend Valley Forge Military College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Valley Forge Military College, 12% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,000 per student, private and federal loans combined.
The average federal loan is $8,000. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Valley Forge Military College, freshmen included, 9% borrow through federal student loan programs, at an average of $16,750 each per year. That amounts to 109.4% larger than the $8,000 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $33,500 over two years and about $67,000 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 9% Average federal loan per year $16,750 Undergraduates with a federal loan 8 Total federal loans (one year) $134,000
The middle borrower at Valley Forge Military College owes $9,500 in federal borrowing.Borrower group Median federal debt All federal borrowers $9,500 Students who completed (graduates) $9,500 Students who withdrew $9,500
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Valley Forge Military College.Percentile Cumulative Federal Debt 10th percentile (lowest-debt students) $4,750 25th percentile $5,500 75th percentile $16,000 90th percentile (highest-debt students) $20,000
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Valley Forge Military College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Valley Forge Military College.Group Borrowers Median debt incl. PLUS All borrowers 63 $11,724
These figures turn the debt totals into a monthly repayment picture for Valley Forge Military College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Valley Forge Military College follows.Metric Value 2-year cohort default rate 11.2% Borrowers in the cohort 98
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family IncomeIncome tier Median federal debt Low income $9,500 Middle income $9,500 High income $5,500
First-Generation ComparisonCohort Median federal debt First-generation students $9,500 Continuing-generation students $5,500
Federal data publishes the following gap measures for Valley Forge Military College.
Subsidized vs. 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.
Important to Remember
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.