by our College Data Analytics TeamThis page focuses on the debt students take on to attend Vincennes University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at Vincennes University, 36% of freshmen borrow to help pay for their first year, borrowing on average $5,939 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,204, equal to roughly 94.6% 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.
Counting every undergraduate at Vincennes University, 37% borrow through federal student loan programs, averaging $6,109 each per year. That amounts to 17.4% more than the freshman federal average of $5,204.
Borrowing at that rate every year works out to about $12,218 by year two and around $24,436 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 37% |
| Average federal loan per year | $6,109 |
| Undergraduates with a federal loan | 1,370 |
| Total federal loans (one year) | $8,369,960 |
Graduating and withdrawing students at Vincennes University carry a median federal debt of $9,227 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,227 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Vincennes University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,829 |
| 75th percentile | $15,250 |
| 90th percentile (highest-debt students) | $25,072 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Vincennes University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Vincennes University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 872 | $10,377 |
| Completed (graduates) | 347 | $13,534 |
| Did not complete | 525 | $8,590 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $160.93/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Vincennes University.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 850 | $10,498 |
| No Stafford loan | 22 | $7,570 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 743 | $10,757 |
| No Stafford loan this year | 129 | $9,079 |
The indicators below describe what the typical debt costs to pay back at Vincennes University.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Vincennes University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 2653 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,433 |
| Middle income | $9,500 |
| High income | $8,750 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,311 |
| Continuing-generation students | $8,815 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $10,500 |
Federal data publishes the following gap measures for Vincennes University.
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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.