by our College Data Analytics TeamThis page focuses on the debt students take on to attend Adult and Community Education - Hudson: 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.
At Adult and Community Education - Hudson, 74% of incoming students take out a loan to help cover first-year costs, with a typical loan of $5,080 each, across private and federal loan sources.
Federal loans alone average $5,080, amounting to 92.4% of the $5,500 cap on first-year federal borrowing for the typical 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.
Looking at all undergraduates at Adult and Community Education - Hudson, freshmen included, 79% rely on federal student loans toward their education, with a mean of $6,373 in federal loans per year. That amounts to 25.5% higher than the $5,080 freshmen take on.
Carrying that yearly figure forward comes to roughly $12,746 after two years and $25,492 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 79% |
| Average federal loan per year | $6,373 |
| Undergraduates with a federal loan | 87 |
| Total federal loans (one year) | $554,453 |
The median student at Adult and Community Education - Hudson borrows $14,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $14,250 |
| Students who completed (graduates) | $14,750 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Adult and Community Education - Hudson.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,636 |
| 25th percentile | $6,333 |
| 75th percentile | $14,750 |
| 90th percentile (highest-debt students) | $14,750 |
How wide this percentile range is tells you how much borrowing varies across students at Adult and Community Education - Hudson.
Repayment burden translates the debt figures into what a borrower actually pays each month. Adult and Community Education - Hudson.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Adult and Community Education - Hudson is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.5% |
| Borrowers in the cohort | 108 |
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 | $14,750 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Adult and Community Education - Hudson.
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.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.