28% of students borrow federal loans, and 50% of borrowers are paying their balance down three years after leaving. The typical repayment is $196 a month. That places New Jersey City University 703 of 891 US universities on repayment.
Reasonable: a clear majority are reducing what they owe.
The Department of Education stopped publishing default rates — every institution now reports zero — so the honest measure left is the declining-balance rate: the share of borrowers whose balance is lower three years after they left than the day they started repaying. A borrower can be in good standing and still owe more than they started with, through interest on a paused or income-driven plan; this figure counts only those actually reducing the debt.
New Jersey City University sits below the national median of 65%. Repayment tracks two things far more than institutional prestige: how much students borrowed in the first place, and what they earn afterwards. A university with modest earnings but very low borrowing often out-performs a famous one whose graduates leave with large balances.
Tell us what you need and we will come back with the lenders that actually fund students from your country — including options with no US co-signer. No obligation, and we never charge you.
Source: US Department of Education College Scorecard — federal loan take-up, Pell share, median debt and the three-year declining-balance repayment rate. Information only, not financial advice.