by our College Data Analytics TeamBelow is federal data on the loans students use to pay for La James International College-Davenport— 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 La James International College-Davenport, 71% of new students use loans toward freshman-year expenses, at roughly $6,051 per borrower, covering both private and federal loans.
The average federally funded loan is $5,768. This meets or exceeds the $5,500 cap on first-year federal borrowing 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 La James International College-Davenport, 70% take out federal student loans, at an average of $7,158 each per year. This is 24.1% more than the freshman federal average of $5,768.
Repeating that yearly amount projects to about $14,316 by year two and around $28,632 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 70% |
| Average federal loan per year | $7,158 |
| Undergraduates with a federal loan | 150 |
| Total federal loans (one year) | $1,073,723 |
The median student at La James International College-Davenport borrows $7,917 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for La James International College-Davenport.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $12,000 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at La James International College-Davenport.
These figures turn the debt totals into a monthly repayment picture for La James International College-Davenport.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for La James International College-Davenport follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.5% |
| Borrowers in the cohort | 58 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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.
Worth Knowing
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.