by our College Data Analytics TeamHere you will find what students actually borrow to attend Queen City College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Across the full undergraduate body at Queen City College (freshmen included), 45% borrow through federal student loan programs, at an average of $5,773 in federal loans per year.
Borrowing at that rate every year works out to about $11,546 after two years and $23,092 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 | 45% |
| Average federal loan per year | $5,773 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $409,867 |
The middle borrower at Queen City College owes $4,703 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,703 |
| Students who completed (graduates) | $4,913 |
| Students who withdrew | $4,449 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Queen City College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,308 |
| 25th percentile | $4,584 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $15,197 |
How wide this percentile range is tells you how much borrowing varies across students at Queen City College.
The indicators below describe what the typical debt costs to pay back at Queen City College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Queen City College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $4,449 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,258 |
| Independent students | $4,750 |
Federal data publishes the following gap measures for Queen City College.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
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.