by our College Data Analytics TeamHere you will find what students actually borrow to attend Victoria 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.
Among first-year students at Victoria College, 4% of incoming undergraduates borrow in year one, with a typical loan of $5,074 per student, private and federal loans combined.
On the federal side, the average loan is $5,074, which is 92.3% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Victoria College, 10% rely on federal student loans toward their education, at an average of $4,826 in federal loans per year. It comes to 4.9% smaller than the $5,074 freshmen take on.
At a steady annual pace, that totals around $9,652 by year two and around $19,304 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $4,826 |
| Undergraduates with a federal loan | 229 |
| Total federal loans (one year) | $1,105,210 |
Graduating and withdrawing students at Victoria College carry a median federal debt of $7,256 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,256 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Victoria College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,747 |
| 25th percentile | $3,021 |
| 75th percentile | $10,740 |
| 90th percentile (highest-debt students) | $18,667 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Victoria College.
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 Victoria College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 115 | $10,000 |
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Victoria College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 105 | — |
| No Stafford loan | 10 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 26 | $5,536 |
| No Stafford loan this year | 89 | $10,000 |
These figures turn the debt totals into a monthly repayment picture for Victoria College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Victoria College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 395 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,750 |
| Middle income | $7,189 |
| High income | $5,938 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,638 |
| Continuing-generation students | $5,768 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Victoria College.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.