You're right that there are some loans included in that number, but it looks like it is not even half of it:
"27% of students received Federal Student Loans averaging $4,835 and 10% of undergrads took out private student loans averaging $11,058."
"27% of students received Federal Student Loans averaging $4,835 and 10% of undergrads took out private student loans averaging $11,058."
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