Colleges With Higher Than Expected Loan Repayment Rates

Universities of California have high low-income populations and loan repayment.

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Many colleges with high student loan repayment rates educate mostly wealthy students who have families that can help them repay their loans. So, naturally, colleges that serve more low-income students tend to have lower student loan repayment rates. But a new analysis that adjusts loan repayment rates for the demographics of colleges' student bodies shows that some schools with lots of students from disadvantaged backgrounds nevertheless produce graduates with high student loan repayment rates.

[Learn more about paying for college.]

U.S.News & World Report  winnowed through the analysis by Mark Kantrowitz, publisher of Finaid.org, to find colleges that have student bodies in which at least 20 percent of the students are eligible for Pell Grants (which typically means they come from families earning less than $40,000 a year), graduation rates of at least 50 percent, and student loan repayment rates higher than would be expected for their populations.

[Find out which colleges have lower student loan repayment rates than their demographics would predict.]

Students are considered in repayment if they have left school and have reduced the principal of their federal student loans by at least $1.

The colleges with loan repayment rates that most exceed their predicted rate are at the top of the list.

School School type Graduation rate 2009 loan repayment rate % of undergraduates receiving Pell Grants Overperformance*
Massachusetts College of Pharmacy & Health Science
Boston, MA
Private 68% 83% 49% 27%
University of the Sciences in Philadelphia
Philadelphia, PA
Private 65% 79% 33% 26%
Polytechnic University
Brooklyn, NY
Private 53% 75% 40% 26%
University of California-Berkeley
Berkeley, CA
Public 90% 73% 29% 24%
Franklin College
Franklin, IN
Private 56% 74% 25% 23%
School of Visual Arts
New York, NY
Private for-profit 67% 63% 23% 22%
University of California-San Diego
La Jolla, CA
Public 85% 71% 31% 22%
University of California-Irvine
Irvine, CA
Public 81% 68% 25% 22%
University of California-Riverside
Riverside, CA
Public 64% 65% 39% 22%
Laboratory Institute of Merchandising
New York, NY
Private for-profit 62% 61% 22% 21%
Dordt College
Sioux Center, IA
Private 69% 92% 24% 21%
Mount St Mary's College
Los Angeles, CA
Private 59% 57% 41% 20%
University of California-Davis
Davis, CA
Public 81% 69% 33% 19%
California Maritime Academy
Vallejo, CA
Public 62% 80% 22% 19%
California State Polytechnic University-Pomona
Pomona, CA
Public 50% 66% 31% 18%
Northwestern College
Orange City, IA
Private 60% 88% 30% 18%
New Jersey Institute of Technology
Newark, NJ
Public 55% 69% 25% 17%
CUNY Bernard M Baruch College
New York, NY
Public 58% 66% 33% 17%
California State University-Long Beach
Long Beach, CA
Public 55% 66% 30% 16%
St Marys University
San Antonio, TX
Private 59% 54% 37% 16%
Wartburg College
Waverly, IA
Private 64% 85% 23% 16%
The University of Texas at Austin
Austin, TX
Public 78% 71% 21% 16%
University of California-Los Angeles
Los Angeles, CA
Public 89% 65% 32% 16%
Clarkson University
Potsdam, NY
Private 70% 84% 24% 15%
University of California-Santa Cruz
Santa Cruz, CA
Public 72% 69% 25% 14%
Cornell College
Mount Vernon, IA
Private 72% 82% 21% 13%
Milwaukee School of Engineering
Milwaukee, WI
Private 55% 81% 20% 13%
University of California-Santa Barbara
Santa Barbara, CA
Public 81% 68% 23% 13%
Rutgers University-New Brunswick
New Brunswick, NJ
Public 71% 67% 24% 13%
Vermont Technical College
Randolph Center, VT
Public 52% 79% 21% 12%
St. John's University-New York
Queens, NY
Private 60% 65% 27% 12%
University of Wisconsin-River Falls
River Falls, WI
Public 55% 79% 21% 12%
University of the Pacific
Stockton, CA
Private 60% 63% 28% 12%
Loras College
Dubuque, IA
Private 60% 82% 21% 12%
College of Mount Saint Vincent
Bronx, NY
Private 57% 63% 34% 11%
Augustana College
Sioux Falls, SD
Private 68% 81% 21% 11%
University of Wisconsin-Stevens Point
Stevens Point, WI
Public 59% 78% 23% 11%
Biola University
La Mirada, CA
Private 70% 71% 22% 11%
Huntington University
Huntington, IN
Private 60% 82% 20% 11%
The Master's College and Seminary
Santa Clarita, CA
Private 59% 75% 22% 11%
Otis College of Art and Design
Los Angeles, CA
Private 52% 62% 37% 10%
Smith College
Northampton, MA
Private 88% 70% 24% 10%
Northwestern College
Saint Paul, MN
Private 58% 78% 21% 10%
Simpson College
Indianola, IA
Private 68% 79% 21% 10%
Missouri University of Science and Technology
Rolla, MO
Public 61% 75% 22% 10%
College of St Catherine
Saint Paul, MN
Private 53% 72% 29% 10%
University of Mary
Bismarck, ND
Private 57% 77% 27% 10%
Minnesota State University-Mankato
Mankato, MN
Public 52% 76% 21% 10%

* Overperformance = Actual loan repayment rate minus predicted rate.

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