by our College Data Analytics TeamHere you will find what students actually borrow to attend Wiley University— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Wiley College, 66% of incoming students take out a loan to help cover first-year costs, borrowing on average $4,247 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,247, equal to roughly 77.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Wiley College (freshmen included), 71% borrow through federal student loan programs, at an average of $5,271 in federal loans per year. That is 24.1% greater than the first-year federal average of $4,247.
At a steady annual pace, that totals around $10,542 across two years and $21,084 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $5,271 |
| Undergraduates with a federal loan | 449 |
| Total federal loans (one year) | $2,366,843 |
Graduating and withdrawing students at Wiley College carry a median federal debt of $16,833 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,833 |
| Students who completed (graduates) | $24,989 |
| Students who withdrew | $14,011 |
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 Wiley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,440 |
| 25th percentile | $9,500 |
| 75th percentile | $31,190 |
| 90th percentile (highest-debt students) | $44,442 |
How wide this percentile range is tells you how much borrowing varies across students at Wiley College.
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 Wiley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 142 | $10,594 |
| Completed (graduates) | 40 | $12,630 |
| Did not complete | 102 | $10,228 |
On a standard 10-year plan, the median completing borrower would pay about $150.18/mo.
These figures turn the debt totals into a monthly repayment picture for Wiley College.
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 Wiley College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.6% |
| Borrowers in the cohort | 452 |
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 | $18,500 |
| Middle income | $15,000 |
| High income | $12,399 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,927 |
| Continuing-generation students | $13,166 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,308 |
| Independent students | $20,750 |
Federal data publishes the following gap measures for Wiley College.
The Difference Between Subsidized and 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.
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.