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IPEDS ID: 228325
OPE ID: 00361600
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Southwestern Assemblies of God University
1200 Sycamore, Waxahachie, Texas 75165
Información General:  (888) 937-7248
Página de Internet:  www.sagu.edu/
Tipo:  4-años, Privada sin fines de lucro
Títulos Ofrecidos:  Grado asociado
Licenciatura
Maestría
Doctorado - research/scholarship
Ubicación del Campus:  Suburbio: Grande
Dormitorios:  
Población Estudiantil:  1,985 (1,632 subgraduado)
Student-to-faculty ratio:  18 to 1
Admisioneswww.sagu.edu/admissions/sagu-admissions-online-on-campus-graduate-studies
Aplica en líneawww.sagu.edu/admissions/college-application
Ayuda Financierawww.sagu.edu/financial-aid/college-scholarships-grants-and-loans
Net Price Calculatorconnect.sagu.edu/register/?id=a906aa05-ca73-4dca-9db2-875d4df2305b
Tuition Policies for Servicemembers and Veteranswww.sagu.edu/admissions/veterans-affairs-education-benefits
Disability Serviceswww.sagu.edu/financial-aid/facilities-and-services-available-to-students-with-disabilities
Athletic Graduation Rateswww.sagu.edu/documents/Financial Aid/Information/Completion-Graduation_Rates_Athletes_Hand-Out.pdf
Misión
  Southwestern Assemblies of God University exists to equip students spiritually, academically, professionally, and cross-culturally for their God-given careers and callings.
Clasificación Carnegie
Master's Colleges & Universities: Small Programs
Afiliación Religiosa
Assemblies of God Church
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
3% or less
Oportunidades de Aprendizaje Especial
Certificación de Profesor
Distance education – undergraduate programs offered
Distance education – graduate programs offered
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 2020Full timePart time
Total faculty6567
Instructional6567
Research and public service00
Total graduate assistants-0
Instructional-0
Research-0
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$19,582$19,834$19,834$17,404-12.3%
Libros y materiales$1,310$1,324$1,324$1,3381.1%
Planes de alojamiento
En el Campus
Alojamiento y comida$7,500$7,500$7,582$7,5820.0%
Otros$5,786$5,842$5,842$5,9001.0%
Fuera del Campus
Alojamiento y comida$13,830$13,968$13,968$13,9680.0%
Otros$4,810$4,856$4,856$4,9041.0%
Fuera del Campus con Familia
Otros$4,810$4,856$4,856$4,9041.0%
Gastos totales2018-20192019-20202020-20212021-2022% change 2020-2021 to 2021-2022
En el Campus$34,178$34,500$34,582$32,224-6.8%
Fuera del Campus$39,532$39,982$39,982$37,614-5.9%
Fuera del Campus con Familia$25,702$26,014$26,014$23,646-9.1%
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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$7,650
Fees$960
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 aid130798%————
Grant or scholarship aid30196%$3,619,217$12,024
Federal grants18057%$968,459$5,380
Pell grants16653%$822,444$4,954
Other federal grants10232%$146,015$1,432
State/local government grant or scholarships12038%$428,872$3,574
Institutional grants or scholarships26986%$2,221,886$8,260
Student loan aid22471%$1,426,215$6,367
Federal student loans22271%$1,152,850$5,193
Other student loans237%$273,365$11,885
  • 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 aid11,435$14,179,171$9,881
Pell grants878$4,110,473$4,682
Federal student loans1,134$7,567,041$6,673
  • 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$24,760$23,931$22,245
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2018-20192019-20202020-2021
$0 – $30,000$23,726$20,743$20,652
$30,001 – $48,000$23,484$24,029$21,321
$48,001 – $75,000$24,918$24,688$22,707
$75,001 – $110,000$26,680$26,006$24,472
$110,001 and more$28,851$27,375$25,132
  • 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
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
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Otoño 2020
Matrícula total1,985
Matrícula de subgraduados1,632
Undergraduate transfer-in enrollment174
Graduate enrollment353
Estatus de Asistencia SubgraduadaGénero del Subgraduado
Estatus de Asistencia Subgraduada:
Tiempo completo: 85%
Tiempo parcial: 15%Género del Subgraduado:
Hombre: 48%
Mujer: 52%
Raza/origen del Subgraduado
Raza/origen del Subgraduado:
Nativo Americano/Nativo de Alaska: 4%
Asiático: 1%
Afro-Americano no Hispano: 13%
Hispano: 20%
Isleño del Pacífico: 0%
Caucásico no Hispano: 53%
Two or more races: 6%
Raza/origen desconocido: 0%
Extranjero no-residente: 1%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 77%
25 and over: 23%
Age unknown: 0%Undergraduate Student Residence:
In-state: 65%
Out-of-state: 34%
Foreign countries: 0%
Unknown: 0%
  • Age data are reported for Otoño 2019.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Graduate Attendance Status
Graduate Attendance Status:
Tiempo completo: 18%
Tiempo parcial: 82%
Undergraduate Distance Education StatusGraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:
Enrolled only in distance education: 42%
Enrolled in some distance education: 25%
Not enrolled in any distance education: 33%Graduate Enrollment by Distance Education Status:
Enrolled only in distance education: 94%
Enrolled in some distance education: 6%
Not enrolled in any distance education: 0%
Cuota de aplicación subgraduada (2021-2022): $35
Admisión de Subgraduados Otoño 2021
TotalHombreMujer
Número de aplicantes658352306
Porcentaje admitido85%81%90%
Porcentaje admitido matriculado50%47%53%
Consideraciones para AdmisiónRequerido(a)Recomendado(a)Considered but not required
GPA (calificación media) de la escuela secundariaX
Historial de la escuela secundariaX
RecomendacionesX
Puntuaciones del SAT/ACTX
TOEFL (Test of English as a Foreign language/Prueba de Inglés como Idioma Extranjero)X
Puntuaciones: Otoño 2021 (estudiantes primerizos matriculados)
Puntuaciones sometidas de Estudiantes NúmeroPorcentaje
SAT11940%
ACT12844%
Resultados de Examen25to Porcentaje*75to Porcentaje**
NOTAS:
*  25% de los estudiantes calificaron o por debajo
** 25% de los estudiantes calificaron o sobre
  • Los datos aplican para estudiantes que buscan su primer grado/certificado.
  • Se solicita a las instituciones reportar estas puntuaciones solamente si se requieren para admisión.
SAT Evidence-Based Reading and Writing460550
SAT Math440530
ACT Composite1722
ACT English1622
ACT Math1622
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: 72%
Estudiantes a tiempo parcial: 33%
Percentage of Students Who Began Their Studies in Fall 2019 and Returned in Fall 2020
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, 61 percent of entering students were counted as "full-time, first-time" in 2020.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2015
Índice total de graduación:
Índice total de graduación: 43%
Índice de transferencias: 29%
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: 34%
6-años: 53%
8-años: 54%
[Began in Fall 2015]
4-años: 40%
6-años: 52%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2013 or Fall 2015
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: 39%
Mujer: 63%
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:
Nativo Americano/Nativo de Alaska: 50%
Afro-Americano no Hispano: 27%
Hispano: 52%
Isleño del Pacífico: 0%
Caucásico no Hispano: 57%
Two or more races: 38%
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
  • 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: 2%
Received a Bachelor's degree: 43%
Enrolled at same institution: 1%
Enrolled at different institution: 36%
[Pell]
Received an Associate's degree: 1%
Received a Bachelor's degree: 37%
Enrolled at same institution: 1%
Enrolled at different institution: 36%
[Non-Pell]
Received an Associate's degree: 4%
Received a Bachelor's degree: 51%
Enrolled at same institution: 0%
Enrolled at different institution: 36%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received an Associate's degree: 0%
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 56%
[Pell]
Received an Associate's degree: 0%
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 57%
[Non-Pell]
Received an Associate's degree: 0%
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 55%
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: 0%
Received a Bachelor's degree: 46%
Enrolled at same institution: 1%
Enrolled at different institution: 27%
[Pell]
Received an Associate's degree: 0%
Received a Bachelor's degree: 45%
Enrolled at same institution: 2%
Enrolled at different institution: 29%
[Non-Pell]
Received an Associate's degree: 1%
Received a Bachelor's degree: 48%
Enrolled at same institution: 0%
Enrolled at different institution: 26%
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: 2%
Received a Bachelor's degree: 30%
Enrolled at same institution: 2%
Enrolled at different institution: 32%
[Pell]
Received an Associate's degree: 4%
Received a Bachelor's degree: 29%
Enrolled at same institution: 0%
Enrolled at different institution: 38%
[Non-Pell]
Received an Associate's degree: 0%
Received a Bachelor's degree: 30%
Enrolled at same institution: 5%
Enrolled at different institution: 25%
Finalización (Number of awards conferred) 2020-2021
Completions are the number of awards conferred by program and award level.
clasificar porProgramaAsociadoLicenciaturaMaestríaDoctorado
  • 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.
Business, Management, Marketing, and Related Support Services
Accounting0d10d--
Business Administration and Management, General36d29d9d-
Business/Commerce, General-0d--
Marketing/Marketing Management, General2d9d--
Organizational Leadership--22d-
Total de categorías38d48d31d-
Communication, Journalism, and Related Programs
Communication and Media Studies, Other4---
Mass Communication/Media Studies-7--
Total de categorías47--
Education
Counselor Education/School Counseling and Guidance Services--0d-
Curriculum and Instruction--7d-
Drama and Dance Teacher Education-1--
Early Childhood Education and Teaching2d-1d-
Education, General0d3d--
Educational Administration and Supervision, Other--1d-
Educational Leadership and Administration, General--1d-
Elementary Education and Teaching-14d1d-
English/Language Arts Teacher Education-2d--
History Teacher Education--1d-
Mathematics Teacher Education-1--
Music Teacher Education-2--
Physical Education Teaching and Coaching-5--
Social Studies Teacher Education-0d--
Teacher Education, Multiple Levels--1d-
Teaching English as a Second or Foreign Language/ESL Language Instructor3d---
Total de categorías5d28d13d-
English Language and Literature/Letters
English Language and Literature, General1d2d--
Total de categorías1d2d--
Family and Consumer Sciences/Human Sciences
Family and Community Services-4d--
Total de categorías-4d--
Health Professions and Related Programs
Health Services/Allied Health/Health Sciences, General0---
Mental Health Counseling/Counselor-12d4-
Substance Abuse/Addiction Counseling1d---
Total de categorías1d12d4-
History
History, General-3d4d-
Total de categorías-3d4d-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Law Enforcement Administration-9d--
Total de categorías-9d--
Liberal Arts and Sciences, General Studies and Humanities
General Studies15d37d--
Total de categorías15d37d--
Mathematics and Statistics
Mathematics, General-1--
Total de categorías-1--
Multi/Interdisciplinary Studies
Ancient Studies/Civilization-0d--
Total de categorías-0d--
Parks, Recreation, Leisure, Fitness, and Kinesiology
Sport and Fitness Administration/Management-4d--
Total de categorías-4d--
Philosophy and Religious Studies
Christian Studies63d---
Philosophy and Religious Studies, General-0d--
Total de categorías63d0d--
Psychology
Clinical Psychology--4-
Counseling Psychology--7d-
Psychology, General11d13d--
Total de categorías11d13d11d-
Public Administration and Social Service Professions
Human Services, General3d14d--
Social Work-4d--
Total de categorías3d18d--
Social Sciences
Social Sciences, General1d---
Total de categorías1d---
Theology and Religious Vocations
Bible/Biblical Studies56d10d7d-
Divinity/Ministry--14d-
Lay Ministry12d---
Missions/Missionary Studies5d4d1d-
Pastoral Counseling and Specialized Ministries, Other-58d--
Pastoral Studies/Counseling-3d--
Religious/Sacred Music-0--
Theological and Ministerial Studies, Other--6d5
Theology/Theological Studies-0d--
Youth Ministry-3d3d-
Total de categorías73d78d31d5
Visual and Performing Arts
Cinematography and Film/Video Production-13--
Drama and Dramatics/Theatre Arts, General-0--
Music Performance, General-1--
Music, General42--
Total de categorías416--
Gran total219280945
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
Recognized student veteran organization
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: 15
DoD Tuition Assistance Program - undergraduates: 3
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: $12,210
Post-9/11 GI Bill Benefits - graduates: $6,577
DoD Tuition Assistance Program - undergraduates: $1,839
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%
Part-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
2020-2021 Atletas Universitarios
NAIA Division I HombresMujeres
All Track Combined3220
Baseball57
Basketball2921
Football113
Soccer2422
Softball29
Volleyball22
Acreditación Institucional
AccreditorStatusNext Review Date
Association for Biblical Higher Education, Commission on AccreditationAccredited (07/01/1948 - 08/31/2003)
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1968)12/13/2022
  • 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/146083.
On-Campus
Criminal Offenses201820192020
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter100
c. Rape000
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201820192020
a. Domestic violence000
b. Dating violence000
c. Stalking000
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 violations8917
c. Liquor law violations2107
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 manslaughter100
c. Rape000
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201820192020
a. Domestic violence000
b. Dating violence000
c. Stalking000
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 violations8917
c. Liquor law violations2107
  • 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 rate10.8%16.4%11.1%
Number in default7911873
Number in repayment725718657
Aid Programs
  • Federal Direct Loan (Direct Loan)