by our College Data Analytics TeamHere you will find what students actually borrow to attend Yeshiva University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Yeshiva, 25% of incoming students take out a loan to help cover first-year costs, averaging $6,512 each, across private and federal loan sources.
On the federal side, the average loan is $5,665. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Yeshiva, 17% finance part of their studies with federal loans, with a mean of $6,179 per year. That amounts to 9.1% above the $5,665 typical freshmen borrow.
At a steady annual pace, that totals around $12,358 over two years and about $24,716 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 | 17% |
| Average federal loan per year | $6,179 |
| Undergraduates with a federal loan | 500 |
| Total federal loans (one year) | $3,089,481 |
The middle borrower at Yeshiva owes $14,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,000 |
| Students who completed (graduates) | $18,250 |
| Students who withdrew | $10,250 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Yeshiva.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $6,500 |
| 75th percentile | $26,000 |
| 90th percentile (highest-debt students) | $33,500 |
How wide this percentile range is tells you how much borrowing varies across students at Yeshiva.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Yeshiva.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 449 | $23,427 |
| Completed (graduates) | 263 | $25,880 |
| Did not complete | 186 | $20,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $307.74/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Yeshiva.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 435 | — |
| No Stafford loan | 14 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 405 | $24,000 |
| No Stafford loan this year | 44 | $19,421 |
These figures turn the debt totals into a monthly repayment picture for Yeshiva.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Yeshiva is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.9% |
| Borrowers in the cohort | 1044 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $16,282 |
| High income | $14,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $14,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Yeshiva.
Subsidized vs. 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.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.