by our College Data Analytics TeamHere you will find what students actually borrow to attend Nunez Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Nunez Community College, 42% of incoming undergraduates borrow in year one, borrowing on average $5,764 per borrower, covering both private and federal loans.
The average federal loan is $5,693. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Nunez Community College, 73% rely on federal student loans toward their education, for a typical $6,593 per year. This works out to 15.8% greater than the $5,693 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,186 across two years and $26,372 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $6,593 |
| Undergraduates with a federal loan | 1,086 |
| Total federal loans (one year) | $7,160,329 |
Graduating and withdrawing students at Nunez Community College carry a median federal debt of $8,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,250 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $7,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Nunez Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $1,750 |
| 75th percentile | $7,250 |
| 90th percentile (highest-debt students) | $11,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Nunez Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Nunez Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 157 | $7,065 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Nunez Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 95 | $6,000 |
| No Stafford loan this year | 62 | $9,630 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Nunez Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Nunez Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.7% |
| Borrowers in the cohort | 142 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,806 |
| Middle income | $7,635 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,404 |
| Continuing-generation students | $6,708 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Nunez Community College.
The Difference Between Subsidized and 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.