by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Villa Maria College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Villa, 38% of new students use loans toward freshman-year expenses, averaging $5,145 per borrower, covering both private and federal loans.
Federal loans alone average $5,132, or about 93.3% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Villa (freshmen included), 53% rely on federal student loans toward their education, averaging $6,556 in federal loans per year. That is 27.7% more than the $5,132 borrowed by freshmen.
Repeating that yearly amount projects to about $13,112 over two years and about $26,224 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $6,556 |
| Undergraduates with a federal loan | 285 |
| Total federal loans (one year) | $1,868,405 |
The middle borrower at Villa owes $10,511 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,511 |
| Students who completed (graduates) | $21,250 |
| Students who withdrew | $9,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Villa.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,838 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $29,375 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Villa.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Villa.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 61 | $9,975 |
The indicators below describe what the typical debt costs to pay back at Villa.
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 Villa follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.7% |
| Borrowers in the cohort | 212 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,758 |
| Middle income | $12,375 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,724 |
| Continuing-generation students | $13,231 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $16,758 |
Federal data publishes the following gap measures for Villa.
The Difference Between 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.
Did You Know?
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.