by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Virginia University of Lynchburg, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Virginia University of Lynchburg, 100% of incoming students take out a loan to help cover first-year costs, averaging $3,830 per borrower, covering both private and federal loans.
On the federal side, the average loan is $3,830, representing 69.6% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Virginia University of Lynchburg (freshmen included), 77% take out federal student loans, borrowing on average $6,841 per year. That amounts to 78.6% above the $3,830 freshmen take on.
At a steady annual pace, that totals around $13,682 after two years and $27,364 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 | 77% |
| Average federal loan per year | $6,841 |
| Undergraduates with a federal loan | 131 |
| Total federal loans (one year) | $896,204 |
The middle borrower at Virginia University of Lynchburg owes $9,859 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,859 |
| Students who completed (graduates) | $24,250 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Virginia University of Lynchburg.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $31,250 |
| 90th percentile (highest-debt students) | $51,410 |
How wide this percentile range is tells you how much borrowing varies across students at Virginia University of Lynchburg.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Virginia University of Lynchburg.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 87 | $9,502 |
| Completed (graduates) | 31 | $14,252 |
| Did not complete | 56 | $7,013 |
On a standard 10-year plan, the median completing borrower would pay about $169.47/mo.
The indicators below describe what the typical debt costs to pay back at Virginia University of Lynchburg.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Virginia University of Lynchburg is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 96 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $12,808 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $20,000 |
Federal data publishes the following gap measures for Virginia University of Lynchburg.
Subsidized and 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.
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.