by our College Data Analytics TeamThis page focuses on the debt students take on to attend Westcliff University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Westcliff University, 17% of first-year students take on loan debt, at roughly $5,868 each, across private and federal loan sources.
The average federal loan is $5,186, equal to roughly 94.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Westcliff University, 6% rely on federal student loans toward their education, averaging $8,072 annually. This is 55.6% above the freshman federal average of $5,186.
Repeating that yearly amount projects to about $16,144 across two years and $32,288 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $8,072 |
| Undergraduates with a federal loan | 124 |
| Total federal loans (one year) | $1,000,959 |
Graduating and withdrawing students at Westcliff University carry a median federal debt of $7,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,500 |
| Students who completed (graduates) | $23,750 |
| 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.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Westcliff University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 57 | $18,347 |
| Completed (graduates) | 30 | $32,150 |
| Did not complete | 27 | $17,814 |
On a standard 10-year plan, the median completing borrower would pay about $382.3/mo.
The indicators below describe what the typical debt costs to pay back at Westcliff University.
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 | $9,438 |
| Middle income | $6,500 |
| High income | $6,531 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,531 |
| Continuing-generation students | $7,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $15,625 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Westcliff University.
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.