by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Dodge City Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Dodge City Community College, 29% of incoming undergraduates borrow in year one, averaging $5,707 each, across private and federal loan sources.
The average federal loan is $4,593, or about 83.5% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Dodge City Community College, 23% finance part of their studies with federal loans, for a typical $5,071 each per year. It comes to 10.4% above the freshman federal average of $4,593.
Borrowing at that rate every year works out to about $10,142 after two years and $20,284 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $5,071 |
| Undergraduates with a federal loan | 274 |
| Total federal loans (one year) | $1,389,326 |
Graduating and withdrawing students at Dodge City Community College carry a median federal debt of $5,451 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,451 |
| Students who completed (graduates) | $8,800 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Dodge City Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,700 |
| 25th percentile | $3,319 |
| 75th percentile | $9,848 |
| 90th percentile (highest-debt students) | $13,000 |
How wide this percentile range is tells you how much borrowing varies across students at Dodge City Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Dodge City Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 43 | $11,400 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Dodge City Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 12 | — |
| No Stafford loan this year | 31 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Dodge City Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Dodge City Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 144 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,625 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,050 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,050 |
| Independent students | $8,900 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Dodge City Community College.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.