by our College Data Analytics TeamHere you will find what students actually borrow to attend Ashland County-West Holmes Career Center: 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 ACWHCC Adult Education specifically, 47% of incoming undergraduates borrow in year one, at roughly $3,498 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $3,498, equal to roughly 63.6% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at ACWHCC Adult Education, 45% finance part of their studies with federal loans, borrowing on average $4,339 per year. This is 24.0% higher than the freshman federal average of $3,498.
Carrying that yearly figure forward comes to roughly $8,678 after two years and $17,356 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 | 45% |
| Average federal loan per year | $4,339 |
| Undergraduates with a federal loan | 20 |
| Total federal loans (one year) | $86,775 |
The median student at ACWHCC Adult Education borrows $3,666 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,666 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at ACWHCC Adult Education.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $2,750 |
| 75th percentile | $6,333 |
These figures turn the debt totals into a monthly repayment picture for ACWHCC Adult Education.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for ACWHCC Adult Education appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 22.9% |
| Borrowers in the cohort | 61 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
Federal data publishes the following gap measures for ACWHCC Adult Education.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.