by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Whitworth University-Adult Degree Programs, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Across the full undergraduate body at Whitworth University - Adult Degree Programs (freshmen included), 60% use federal student loans to help pay for their education, averaging $10,971 each per year.
Borrowing the same amount each year would add up to roughly $21,942 over two years and about $43,884 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 | 60% |
| Average federal loan per year | $10,971 |
| Undergraduates with a federal loan | 102 |
| Total federal loans (one year) | $1,119,043 |
The median student at Whitworth University - Adult Degree Programs borrows $18,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,000 |
| Students who completed (graduates) | $25,000 |
| Students who withdrew | $8,250 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Whitworth University - Adult Degree Programs.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $11,883 |
| 75th percentile | $28,500 |
| 90th percentile (highest-debt students) | $35,250 |
How wide this percentile range is tells you how much borrowing varies across students at Whitworth University - Adult Degree Programs.
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 Whitworth University - Adult Degree Programs.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 347 | $26,250 |
| Completed (graduates) | 214 | $35,875 |
| Did not complete | 133 | $17,841 |
On a standard 10-year plan, the median completing borrower would pay about $426.59/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Whitworth University - Adult Degree Programs.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 317 | $27,093 |
| No Stafford loan this year | 30 | $14,533 |
The indicators below describe what the typical debt costs to pay back at Whitworth University - Adult Degree Programs.
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 Whitworth University - Adult Degree Programs is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.1% |
| Borrowers in the cohort | 633 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $19,724 |
| Middle income | $19,500 |
| High income | $15,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,915 |
| Continuing-generation students | $18,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,750 |
| Independent students | $25,403 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Whitworth University - Adult Degree Programs.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.