by our College Data Analytics TeamThis page focuses on the debt students take on to attend Warner Pacific University: 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.
Looking at the entering class at Warner Pacific, 68% of incoming students take out a loan to help cover first-year costs, for an average of $7,043 each — a figure that counts both private and federal student loans.
Federal loans alone average $6,065. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Warner Pacific, freshmen included, 66% rely on federal student loans toward their education, for a typical $7,659 in federal loans per year. This is 26.3% more than the $6,065 borrowed by freshmen.
Borrowing at that rate every year works out to about $15,318 after two years and $30,636 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 66% |
| Average federal loan per year | $7,659 |
| Undergraduates with a federal loan | 247 |
| Total federal loans (one year) | $1,891,706 |
The middle borrower at Warner Pacific owes $20,250 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,250 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $10,501 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Warner Pacific.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Warner Pacific.
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 Warner Pacific.
| 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.
These figures turn the debt totals into a monthly repayment picture for Warner Pacific.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Warner Pacific appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.7% |
| Borrowers in the cohort | 612 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,723 |
| Middle income | $21,500 |
| High income | $18,719 |
First-Generation Comparison
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Warner Pacific.
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.
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.