by our College Data Analytics TeamHere you will find what students actually borrow to attend Great Oaks Career Campuses: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Great Oaks Career Campuses, 48% of first-year students take on loan debt, with a typical loan of $6,292 per student, private and federal loans combined.
Federal loans alone average $6,292. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Great Oaks Career Campuses, 41% take out federal student loans, borrowing on average $5,885 in federal loans per year. That amounts to 6.5% below the first-year federal average of $6,292.
Repeating that yearly amount projects to about $11,770 after two years and $23,540 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $5,885 |
| Undergraduates with a federal loan | 96 |
| Total federal loans (one year) | $564,974 |
The median student at Great Oaks Career Campuses borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $2,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Great Oaks Career Campuses.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,840 |
| 25th percentile | $4,345 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Great Oaks Career Campuses.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Great Oaks Career Campuses.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 66 | $6,500 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Great Oaks Career Campuses.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 53 | — |
| No Stafford loan this year | 13 | — |
These figures turn the debt totals into a monthly repayment picture for Great Oaks Career Campuses.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Great Oaks Career Campuses is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.7% |
| Borrowers in the cohort | 208 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,973 |
| Middle income | $5,500 |
| High income | $4,231 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,231 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,576 |
| Independent students | $7,308 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Great Oaks Career Campuses.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.