by our College Data Analytics TeamThis page focuses on the debt students take on to attend Barton County Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Barton Community College, 14% of incoming students take out a loan to help cover first-year costs, at roughly $4,857 per borrower, covering both private and federal loans.
The average federal loan is $4,731, representing 86.0% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Barton Community College, 15% rely on federal student loans toward their education, averaging $6,235 a year. This is 31.8% above the freshman federal average of $4,731.
Carrying that yearly figure forward comes to roughly $12,470 by year two and around $24,940 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 15% |
| Average federal loan per year | $6,235 |
| Undergraduates with a federal loan | 347 |
| Total federal loans (one year) | $2,163,498 |
Graduating and withdrawing students at Barton Community College carry a median federal debt of $6,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,250 |
| Students who completed (graduates) | $9,501 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Barton Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,783 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $16,301 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Barton Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Barton Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1121 | $18,400 |
| Completed (graduates) | 76 | $16,009 |
| Did not complete | 1045 | $18,566 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $190.36/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Barton Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1095 | $18,548 |
| No Stafford loan | 26 | $15,459 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 77 | $8,880 |
| No Stafford loan this year | 1044 | $19,472 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Barton Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Barton Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.4% |
| Borrowers in the cohort | 401 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,238 |
| Middle income | $5,535 |
| High income | $6,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,427 |
| Continuing-generation students | $5,725 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,465 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Barton Community College.
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.
Did You Know?
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.