by our College Data Analytics TeamThis page focuses on the debt students take on to attend West Texas A & M University, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At West Texas A&M University specifically, 40% of incoming undergraduates borrow in year one, for an average of $6,866 each, across private and federal loan sources.
The average federal loan is $5,940. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. 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 West Texas A&M University, 36% finance part of their studies with federal loans, with a mean of $7,910 per year. This works out to 33.2% larger than the $5,940 freshmen take on.
Borrowing at that rate every year works out to about $15,820 in two years and roughly $31,640 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $7,910 |
| Undergraduates with a federal loan | 2,465 |
| Total federal loans (one year) | $19,497,800 |
Graduating and withdrawing students at West Texas A&M University carry a median federal debt of $12,620 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,620 |
| Students who completed (graduates) | $19,500 |
| Students who withdrew | $7,400 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 West Texas A&M University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,805 |
| 25th percentile | $5,500 |
| 75th percentile | $23,250 |
| 90th percentile (highest-debt students) | $31,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at West Texas A&M University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for West Texas A&M University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 698 | $12,631 |
| Completed (graduates) | 256 | $12,719 |
| Did not complete | 442 | $12,631 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $151.24/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at West Texas A&M University.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 684 | — |
| No Stafford loan | 14 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 529 | $12,480 |
| No Stafford loan this year | 169 | $13,675 |
These figures turn the debt totals into a monthly repayment picture for West Texas A&M 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 West Texas A&M University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 1857 |
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 | $12,530 |
| Middle income | $12,500 |
| High income | $13,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,500 |
| Continuing-generation students | $13,225 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,250 |
| Independent students | $17,513 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at West Texas A&M University.
Subsidized vs. 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?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.