by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Xavier University of Louisiana, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at XULA, 63% of new students use loans toward freshman-year expenses, for an average of $6,607 each, across private and federal loan sources.
The average federal loan is $5,470, amounting to 99.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at XULA, 57% use federal student loans to help pay for their education, averaging $6,376 annually. That is 16.6% above the $5,470 freshmen take on.
Borrowing the same amount each year would add up to roughly $12,752 after two years and $25,504 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 57% |
| Average federal loan per year | $6,376 |
| Undergraduates with a federal loan | 1,457 |
| Total federal loans (one year) | $9,290,400 |
Graduating and withdrawing students at XULA carry a median federal debt of $14,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,000 |
| Students who completed (graduates) | $24,053 |
| Students who withdrew | $9,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at XULA.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $5,500 |
| 75th percentile | $27,700 |
| 90th percentile (highest-debt students) | $42,250 |
How wide this percentile range is tells you how much borrowing varies across students at XULA.
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 XULA.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 814 | $30,660 |
| Completed (graduates) | 323 | $39,909 |
| Did not complete | 491 | $27,328 |
On a standard 10-year plan, the median completing borrower would pay about $474.56/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at XULA.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 775 | $31,816 |
| No Stafford loan | 39 | $25,223 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 738 | $32,181 |
| No Stafford loan this year | 76 | $26,271 |
The indicators below describe what the typical debt costs to pay back at XULA.
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 XULA appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.2% |
| Borrowers in the cohort | 974 |
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 | $14,000 |
| Middle income | $14,750 |
| High income | $13,750 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,784 |
| Continuing-generation students | $15,111 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,000 |
| Independent students | $16,750 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at XULA.
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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.