by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Virginia University at Parkersburg, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at West Virginia University at Parkersburg, 22% of new students use loans toward freshman-year expenses, for an average of $4,777 each, across private and federal loan sources.
The average federal loan is $4,736, equal to roughly 86.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at West Virginia University at Parkersburg, 27% borrow through federal student loan programs, borrowing on average $6,163 a year. This is 30.1% larger than the $4,736 freshmen take on.
At a steady annual pace, that totals around $12,326 across two years and $24,652 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 27% |
| Average federal loan per year | $6,163 |
| Undergraduates with a federal loan | 467 |
| Total federal loans (one year) | $2,877,958 |
Graduating and withdrawing students at West Virginia University at Parkersburg carry a median federal debt of $8,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,250 |
| Students who completed (graduates) | $12,570 |
| Students who withdrew | $7,436 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for West Virginia University at Parkersburg.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,227 |
| 25th percentile | $3,314 |
| 75th percentile | $13,404 |
| 90th percentile (highest-debt students) | $24,502 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at West Virginia University at Parkersburg.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for West Virginia University at Parkersburg.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 115 | $8,923 |
| Completed (graduates) | 29 | $9,986 |
| Did not complete | 86 | $8,675 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $118.74/mo.
Federal data lets us separate Stafford borrowers from the rest at West Virginia University at Parkersburg.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 57 | $8,247 |
| No Stafford loan this year | 58 | $11,566 |
The indicators below describe what the typical debt costs to pay back at West Virginia University at Parkersburg.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for West Virginia University at Parkersburg is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.1% |
| Borrowers in the cohort | 900 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
| Middle income | $8,500 |
| High income | $8,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $8,585 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,062 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Virginia University at Parkersburg.
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.