by our College Data Analytics TeamThis page focuses on the debt students take on to attend Washington Adventist University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Washington Adventist University, 50% of incoming undergraduates borrow in year one, at roughly $7,533 per student, private and federal loans combined.
Federal loans alone average $7,533. This is at or above the $5,500 first-year federal borrowing cap that applies to 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 Washington Adventist University, 52% finance part of their studies with federal loans, for a typical $8,953 per year. This works out to 18.9% larger than the first-year federal average of $7,533.
Borrowing the same amount each year would add up to roughly $17,906 after two years and $35,812 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $8,953 |
| Undergraduates with a federal loan | 271 |
| Total federal loans (one year) | $2,426,293 |
The median student at Washington Adventist University borrows $22,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $22,750 |
| Students who completed (graduates) | $30,500 |
| Students who withdrew | $12,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Washington Adventist University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,625 |
| 25th percentile | $12,500 |
| 75th percentile | $37,500 |
| 90th percentile (highest-debt students) | $48,933 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Washington Adventist University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Washington Adventist University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 200 | $16,925 |
| Completed (graduates) | 94 | $24,093 |
| Did not complete | 106 | $15,650 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $286.49/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Washington Adventist University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 187 | — |
| No Stafford loan this year | 13 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Washington Adventist University.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Washington Adventist University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.3% |
| Borrowers in the cohort | 365 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $23,250 |
| Middle income | $22,875 |
| High income | $20,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $23,000 |
| Continuing-generation students | $22,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,000 |
| Independent students | $28,236 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Washington Adventist 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.
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.