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IPEDS ID: 193654
OPE ID: 02066200
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The New School
New York, New York 10011
Información General:  (212) 229-5600
Página de Internet:  www.newschool.edu/
Tipo:  4-años, Privada sin fines de lucro
Títulos Ofrecidos:  Certificado de un o menos de dos años
Grado asociado
Certificado de dos o menos de 4 años
Licenciatura
Certificado de pos-licenciatura
Maestría
Certificado pos-maestría
Doctorado - research/scholarship
Ubicación del Campus:  Ciudad: Grande
Dormitorios:  
Población Estudiantil:  10,493 (7,381 subgraduado)
Student-to-faculty ratio:  10 to 1
Clasificación Carnegie
Doctoral Universities: High Research Activity
Afiliación Religiosa
No Aplica
Ayuda Federal
Estudiantes elegibles pueden recibir Becas Pell y otra ayuda federal (por ejemplo, Préstamos Directos "Direct Loans").
Undergraduate students enrolled who are formally registered with office of disability services
In order to receive services, a student with a disability must self-identify using the form on our website and provide documentation of the disability. Reasonable accommodations are determined by a review of documentation and meeting with the student. More information about Student Disability Services, including guidelines for documentation, can be found on the website: https://www.newschool.edu/student-disability-services/
Oportunidades de Aprendizaje Especial
Distance education – undergraduate programs offered
Distance education – graduate programs offered
Estudio en el extranjero
Institución de fin de semana/noche
Servicios Estudiantiles
Servicios de refuerzo
Servicio de consejería académica/profesional
Servicios de empleo para estudiantes
Servicios de colocación para los que completen
Crédito Aceptado
Doble Crédito
Crédito por Experiencias
Créditos de Colocación Avanzada
Faculty and graduate assistants by primary function, Fall 2021Full timePart time
Total faculty3991,771
Instructional3991,771
Research and public service00
Total graduate assistants-544
Instructional-354
Research-190
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Gastos Detallados2018-20192019-20202020-20212021-2022% change 2020-2021 to 2021-2022
Matrícula y cuotas$49,064$50,994$51,022$52,4942.9%
Libros y materiales$1,587$1,692$1,604$2,30043.4%
Planes de alojamiento
En el Campus
Alojamiento y comida$18,700$18,700$18,700$21,40014.4%
Otros$2,010$2,010$2,050$2,55024.4%
Fuera del Campus
Alojamiento y comida$14,500$14,500$14,500$16,00010.3%
Otros$2,010$2,010$2,050$2,55024.4%
Fuera del Campus con Familia
Otros$960$2,010$2,050$2,55024.4%
Gastos totales2018-20192019-20202020-20212021-2022% change 2020-2021 to 2021-2022
En el Campus$71,361$73,396$73,376$78,7447.3%
Fuera del Campus$67,161$69,196$69,176$73,3446.0%
Fuera del Campus con Familia$51,611$54,696$54,676$57,3444.9%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 4-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 

% (0-100 allowed)
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include room and board, books and supplies, &c. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Average graduate student tuition and fees for academic year2021-2022
Tuition$47,920
Fees$1,216
Alternative Tuition Plans
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
Undergraduate Student Financial Aid, 2020-2021
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber receiving aidPercent receiving aidTotal amount of aid receivedAverage amount of aid received
Any student financial aid11,20699%————
Grant or scholarship aid1,20699%$24,518,015$20,330
Federal grants20817%$1,830,700$8,801
Pell grants20617%$1,030,038$5,000
Other federal grants20517%$800,662$3,906
State/local government grant or scholarships242%$79,093$3,296
Institutional grants or scholarships1,20699%$22,608,222$18,746
Student loan aid33327%$2,857,616$8,581
Federal student loans31926%$1,639,033$5,138
Other student loans514%$1,218,583$23,894
  • 1 Includes students receiving Federal work study aid and aid from other sources not listed above.
All Undergraduate Students
Type of AidNumber receiving aidTotal amount of aid receivedAverage amount of aid received
Grant or scholarship aid16,269$111,821,272$17,837
Pell grants1,055$5,072,732$4,808
Federal student loans1,613$10,393,281$6,443
  • 1 Grant or scholarship aid includes aid received, from the federal government, state or local government, the institution, and other sources known by the institution.

Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2018-20192019-20202020-2021
Average net price$50,377$50,908$43,547
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2018-20192019-20202020-2021
$0 – $30,000$37,723$38,085$27,143
$30,001 – $48,000$40,044$39,370$37,137
$48,001 – $75,000$42,383$40,659$39,186
$75,001 – $110,000$43,118$46,712$40,923
$110,001 and more$50,079$52,120$39,453
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees, books and supplies, and the weighted average for room and board and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students who received federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
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Otoño 2021
Matrícula total10,493
Matrícula de subgraduados7,381
Undergraduate transfer-in enrollment472
Graduate enrollment3,112
Estatus de Asistencia SubgraduadaGénero del Subgraduado
Estatus de Asistencia Subgraduada:
Tiempo completo: 92%
Tiempo parcial: 8%Género del Subgraduado:
Hombre: 24%
Mujer: 76%
Raza/origen del Subgraduado
Raza/origen del Subgraduado:
Nativo Americano/Nativo de Alaska: 0%
Asiático: 11%
Afro-Americano no Hispano: 4%
Hispano: 11%
Isleño del Pacífico: 0%
Caucásico no Hispano: 34%
Two or more races: 5%
Raza/origen desconocido: 4%
Extranjero no-residente: 30%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 93%
25 and over: 7%
Age unknown: 0%Undergraduate Student Residence:
In-state: 17%
Out-of-state: 50%
Foreign countries: 28%
Unknown: 5%
  • Residence data are reported for first-time degree/certificate-seeking undergraduates, Otoño 2020.
Graduate Attendance Status
Graduate Attendance Status:
Tiempo completo: 79%
Tiempo parcial: 21%
Undergraduate Distance Education StatusGraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:
Enrolled only in distance education: 4%
Enrolled in some distance education: 54%
Not enrolled in any distance education: 42%Graduate Enrollment by Distance Education Status:
Enrolled only in distance education: 8%
Enrolled in some distance education: 43%
Not enrolled in any distance education: 50%
Cuota de aplicación subgraduada (2021-2022): $50
Admisión de Subgraduados Otoño 2021
TotalHombreMujer
Número de aplicantes9,6962,4037,293
Porcentaje admitido66%65%67%
Porcentaje admitido matriculado30%26%31%
Consideraciones para AdmisiónRequerido(a)Recomendado(a)Considered but not required
GPA (calificación media) de la escuela secundariaX
Historial de la escuela secundariaX
Finalización de programa de preparación universitariaX
RecomendacionesX
Demostración formal de competenciasX
TOEFL (Test of English as a Foreign language/Prueba de Inglés como Idioma Extranjero)X
  • All applicants whose first language is not English must submit valid English language proficiency test scores from the past 2 years (TOEFL, IELTS, PTE, Duolingo English Test or Cambridge English C1 Advanced or C2 Proficiency). Where secondary school calculated GPA is not provided by the school, the student’s academic curriculum and progress will be reviewed in the context of the school’s policy. Some programs have additional application requirements, such as portfolio or audition.
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who are seeking bachelor's degrees who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students Pursuing Bachelor's Degrees
Student retention:
Estudiantes a tiempo completo: 83%
Estudiantes a tiempo parcial: 92%
Percentage of Students Who Began Their Studies in Fall 2020 and Returned in Fall 2021
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 79 percent of entering students were counted as "full-time, first-time" in 2021.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2015
Índice total de graduación:
Índice total de graduación: 70%
Índice de transferencias: 13%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Bachelor's Degree Graduation Rates

Bachelor’s degree graduation rates measure the percentage of entering students beginning their studies full-time and are planning to get a bachelor’s degree and who complete their degree program within a specified amount of time.

Graduation Rates for Students Pursuing Bachelor's Degrees
Índice de licenciaturas:
[Began in Fall 2013]
4-años: 57%
6-años: 70%
8-años: 71%
[Began in Fall 2015]
4-años: 56%
6-años: 70%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2013 or Fall 2015
  • Interpret data with caution. Bachelors degree students include those in The New School's BA-BFA dual-degree programs, who are expected to take 5 years to complete their degrees. This means that The New School's graduation rate is understated.
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees:
Hombre: 65%
Mujer: 72%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2015 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees:
Asiático: 81%
Afro-Americano no Hispano: 58%
Hispano: 65%
Isleño del Pacífico: 50%
Caucásico no Hispano: 65%
Two or more races: 53%
Raza/origen desconocido: 65%
Extranjero no-residente: 81%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2015 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
  • Interpret data with caution. Bachelor’s degree students include those in The New School’s BA-BFA dual-degree programs, who are expected to take 5 years to complete their degrees. This means that the New School’s timely graduation rate is slightly understated.
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received an Associate's degree: 3%
Received a Bachelor's degree: 68%
Enrolled at same institution: 0%
Enrolled at different institution: 15%
[Pell]
Received an Associate's degree: 1%
Received a Bachelor's degree: 62%
Enrolled at same institution: 0%
Enrolled at different institution: 23%
[Non-Pell]
Received an Associate's degree: 3%
Received a Bachelor's degree: 70%
Enrolled at same institution: 0%
Enrolled at different institution: 12%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received an Associate's degree: 2%
Received a Bachelor's degree: 58%
Enrolled at same institution: 0%
Enrolled at different institution: 4%
[Pell]
Received an Associate's degree: 0%
Received a Bachelor's degree: 33%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
[Non-Pell]
Received an Associate's degree: 2%
Received a Bachelor's degree: 60%
Enrolled at same institution: 0%
Enrolled at different institution: 4%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received an Associate's degree: 28%
Received a Bachelor's degree: 54%
Enrolled at same institution: 0%
Enrolled at different institution: 8%
[Pell]
Received an Associate's degree: 2%
Received a Bachelor's degree: 68%
Enrolled at same institution: 0%
Enrolled at different institution: 17%
[Non-Pell]
Received an Associate's degree: 34%
Received a Bachelor's degree: 51%
Enrolled at same institution: 0%
Enrolled at different institution: 5%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received an Associate's degree: 21%
Received a Bachelor's degree: 24%
Enrolled at same institution: 1%
Enrolled at different institution: 13%
[Pell]
Received an Associate's degree: 6%
Received a Bachelor's degree: 56%
Enrolled at same institution: 0%
Enrolled at different institution: 6%
[Non-Pell]
Received an Associate's degree: 23%
Received a Bachelor's degree: 20%
Enrolled at same institution: 1%
Enrolled at different institution: 13%
Finalización (Number of awards conferred) 2020-2021
Completions are the number of awards conferred by program and award level.
clasificar porProgramaUndergraduate
Certificate
Postgraduate
Certificate
AsociadoLicenciaturaMaestríaDoctorado
  • Los datos mostrados son para primeras especializaciones.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Architecture and Related Services
Architectural and Building Sciences/Technology---2646-
City/Urban, Community, and Regional Planning---07-
Total de categorías---2653-
Area, Ethnic, Cultural, Gender, and Group Studies
Ethnic, Cultural Minority, Gender, and Group Studies, Other-13----
Women's Studies-0----
Total de categorías-13----
Business, Management, Marketing, and Related Support Services
Business, Management, Marketing, and Related Support Services, Other----30-
Fashion Merchandising--39d---
Human Resources Management/Personnel Administration, General---00-
Non-Profit/Public/Organizational Management----13-
Organizational Leadership-4--10-
Total de categorías-439d053-
Communication, Journalism, and Related Programs
Digital Communication and Media/Multimedia-11-56151-
Mass Communication/Media Studies---39--
Total de categorías-11-95151-
Computer and Information Sciences and Support Services
Web Page, Digital/Multimedia and Information Resources Design---14882-
Total de categorías---14882-
Education
Teaching English as a Second or Foreign Language/ESL Language Instructor----11-
Total de categorías----11-
English Language and Literature/Letters
Creative Writing---883-
General Literature---49--
Total de categorías---5783-
Family and Consumer Sciences/Human Sciences
Foods, Nutrition, and Wellness Studies, General--05--
Total de categorías--05--
History
History, General---84-
Total de categorías---84-
Liberal Arts and Sciences, General Studies and Humanities
Liberal Arts and Sciences/Liberal Studies---1254-
Total de categorías---1254-
Multi/Interdisciplinary Studies
Biological and Physical Sciences---8--
International/Globalization Studies---22--
Sustainability Studies-0--21-
Systems Science and Theory----115-
Total de categorías-0-30136-
Natural Resources and Conservation
Environmental Studies---6--
Total de categorías---6--
Philosophy and Religious Studies
Philosophy---11198
Total de categorías---11198
Psychology
Clinical Psychology----016
Psychology, General---42590
Research and Experimental Psychology, Other----06
Total de categorías---425922
Public Administration and Social Service Professions
Public Policy Analysis, Other----177
Total de categorías----177
Social Sciences
Cultural Anthropology---2151
Econometrics and Quantitative Economics----148
Economics, General---7--
International Relations and Affairs----41-
Political Science and Government, General---1044
Sociology, General---765
Urban Studies/Affairs---94-
Total de categorías---358418
Visual and Performing Arts
Acting----11-
Art History, Criticism and Conservation----27-
Arts, Entertainment, and Media Management, General-0--12-
Conducting-0-00-
Dance, General---1--
Design and Applied Arts, Other---5213-
Directing and Theatrical Production----2-
Documentary Production-0----
Drama and Dramatics/Theatre Arts, General---44--
Fashion/Apparel Design--461780-
Film/Cinema/Media Studies---27--
Fine and Studio Arts Management-0-153--
Fine/Studio Arts, General---590-
Graphic Design--40---
Illustration---60--
Industrial and Product Design---4320-
Interior Design--423317-
Jazz/Jazz Studies0--55--
Keyboard Instruments-9-1331-
Music History, Literature, and Theory---16--
Music Performance, General05-1828-
Music Theory and Composition02-39-
Musical Theatre---24--
Photography---5013-
Playwriting and Screenwriting----2-
Stringed Instruments-0-12-
Voice and Opera07-331-
Total de categorías023128833218-
Gran total0511671,42197455
Services and Programs for Servicemembers and Veterans
Yellow Ribbon Program (officially known as Post-9/11 GI Bill, Yellow Ribbon Program)
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Recognized student veteran organization
Member of Servicemembers Opportunity Colleges
  • For more information, please see https://www.newschool.edu/studentveteran-services/ or contact vahelp@newschool.edu
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2020-2021
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:
Post-9/11 GI Bill Benefits - undergraduates: 41
Post-9/11 GI Bill Benefits - graduates: 22
DoD Tuition Assistance Program - undergraduates: 0
DoD Tuition Assistance Program - graduates: 0
Average amount of benefits/assistance awarded through the institution
Average amount of benefits/assistance awarded through the institution:
Post-9/11 GI Bill Benefits - undergraduates: $30,737
Post-9/11 GI Bill Benefits - graduates: $21,865
RETENTION RATES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
Full-time students: 100%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
  • No varsity sports data reported for this institution. Data on varsity athletics are submitted annually as required by the Equity in Athletics Disclosure Act (EADA), by all co-educational postsecondary institutions that have an intercollegiate athletics program. For the most recent data collection, EADA did not collect data on varsity athletics for programs that were cancelled due to the Coronavirus Pandemic.
Acreditación Institucional
AccreditorStatusNext Review Date
Middle States Commission on Higher EducationAccredited since ((!)07/01/1960)12/31/2013
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
American Psychological Association, Commission on Accreditation
Clinical Psychology (CLPSY) - PhD Doctoral programsAccredited since (06/02/1981)12/31/2020
  • (!) Fecha estimada
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/131335.
On-Campus
Criminal Offenses201820192020
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape142
d. Fondling111
e. Incest000
f. Statutory Rape000
g. Robbery227
h. Aggravated assault300
i. Burglary104
j. Motor vehicle theft001
k. Arson000
VAWA Offenses201820192020
a. Domestic violence110
b. Dating violence100
c. Stalking111
Arrests201820192020
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201820192020
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations31269
c. Liquor law violations15312463
On-Campus Student Housing Facilities
  • On-campus Student Housing Facilities statistics are a subset of On-Campus statistics.
Criminal Offenses201820192020
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape142
d. Fondling001
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201820192020
a. Domestic violence010
b. Dating violence100
c. Stalking110
Arrests201820192020
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201820192020
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations31269
c. Liquor law violations15312463
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
Three-year Official Cohort Default Rates
Fiscal Year201820172016
Default rate5.4%7.3%5.3%
Number in default91126102
Number in repayment1,6731,7231,900
Aid Programs
  • Federal Direct Loan (Direct Loan)