by our College Data Analytics TeamHere you will find what students actually borrow to attend West Virginia Wesleyan College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at West Virginia Wesleyan, 69% of incoming undergraduates borrow in year one, at roughly $7,061 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,648. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at West Virginia Wesleyan, 67% take out federal student loans, averaging $6,613 annually. This works out to 17.1% larger than the freshman federal average of $5,648.
At a steady annual pace, that totals around $13,226 by year two and around $26,452 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 67% |
| Average federal loan per year | $6,613 |
| Undergraduates with a federal loan | 613 |
| Total federal loans (one year) | $4,053,735 |
The middle borrower at West Virginia Wesleyan owes $15,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,750 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $7,073 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at West Virginia Wesleyan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $5,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $33,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at West Virginia Wesleyan.
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 West Virginia Wesleyan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 168 | $16,753 |
| Completed (graduates) | 76 | $24,356 |
| Did not complete | 92 | $13,394 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $289.62/mo.
The indicators below describe what the typical debt costs to pay back at West Virginia Wesleyan.
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 West Virginia Wesleyan follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.6% |
| Borrowers in the cohort | 324 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $13,750 |
| Middle income | $12,702 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,375 |
| Continuing-generation students | $17,125 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,750 |
| Independent students | $14,750 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Virginia Wesleyan.
Subsidized and 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.
Worth Knowing
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.