by our College Data Analytics TeamThis page focuses on the debt students take on to attend Warner University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Warner University, 64% of freshmen borrow to help pay for their first year, for an average of $7,222 each, across private and federal loan sources.
The average federally funded loan is $5,530. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Warner University, 57% use federal student loans to help pay for their education, averaging $8,009 per year. This is 44.8% more than the first-year federal average of $5,530.
Borrowing the same amount each year would add up to roughly $16,018 across two years and $32,036 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $8,009 |
| Undergraduates with a federal loan | 429 |
| Total federal loans (one year) | $3,436,021 |
The median student at Warner University borrows $13,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,000 |
| Students who completed (graduates) | $22,250 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Warner University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,250 |
| 75th percentile | $29,687 |
| 90th percentile (highest-debt students) | $45,001 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Warner University.
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 University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 231 | $13,397 |
| Completed (graduates) | 109 | $16,400 |
| Did not complete | 122 | $11,699 |
On a standard 10-year plan, the median completing borrower would pay about $195.01/mo.
Federal data lets us separate Stafford borrowers from the rest at Warner University.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 218 | — |
| No Stafford loan this year | 13 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Warner University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Warner University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.4% |
| Borrowers in the cohort | 362 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,250 |
| Middle income | $14,250 |
| High income | $11,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,098 |
| Continuing-generation students | $11,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $18,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Warner University.
The Difference Between 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.
Important to Remember
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.