by our College Data Analytics TeamThis page focuses on the debt students take on to attend Warner Pacific University Professional and Graduate Studies, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Warner Pacific College ADP, 0% of first-year students take on loan debt.
Looking at all undergraduates at Warner Pacific College ADP, freshmen included, 50% borrow through federal student loan programs, averaging $9,068 each per year.
Repeating that yearly amount projects to about $18,136 over two years and about $36,272 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 50% |
| Average federal loan per year | $9,068 |
| Undergraduates with a federal loan | 81 |
| Total federal loans (one year) | $734,541 |
The median student at Warner Pacific College ADP borrows $20,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,250 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $10,501 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Warner Pacific College ADP.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $9,279 |
| 75th percentile | $30,897 |
| 90th percentile (highest-debt students) | $45,980 |
How wide this percentile range is tells you how much borrowing varies across students at Warner Pacific College ADP.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Warner Pacific College ADP.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 118 | $15,947 |
| Completed (graduates) | 74 | $17,588 |
| Did not complete | 44 | $14,668 |
On a standard 10-year plan, the median completing borrower would pay about $209.14/mo.
The indicators below describe what the typical debt costs to pay back at Warner Pacific College ADP.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Warner Pacific College ADP follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.7% |
| Borrowers in the cohort | 612 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,723 |
| Middle income | $21,500 |
| High income | $18,719 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,976 |
| Continuing-generation students | $22,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $25,000 |
Federal data publishes the following gap measures for Warner Pacific College ADP.
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?
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.