by our College Data Analytics TeamHere you will find what students actually borrow to attend Blinn College District, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Blinn College, 35% of freshmen borrow to help pay for their first year, for an average of $3,829 per student, private and federal loans combined.
Federal loans alone average $3,354, equal to roughly 61.0% 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.
Across the full undergraduate body at Blinn College (freshmen included), 21% use federal student loans to help pay for their education, borrowing on average $3,509 a year. This works out to 4.6% higher than the freshman federal average of $3,354.
Borrowing the same amount each year would add up to roughly $7,018 after two years and $14,036 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $3,509 |
| Undergraduates with a federal loan | 3,320 |
| Total federal loans (one year) | $11,649,921 |
Graduating and withdrawing students at Blinn College carry a median federal debt of $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $11,500 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Blinn College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,500 |
| 75th percentile | $10,000 |
| 90th percentile (highest-debt students) | $15,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Blinn College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Blinn College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2243 | $17,500 |
| Completed (graduates) | 142 | $15,005 |
| Did not complete | 2101 | $17,711 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $178.43/mo.
Federal data lets us separate Stafford borrowers from the rest at Blinn College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2142 | $17,768 |
| No Stafford loan | 101 | $14,344 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 979 | $13,488 |
| No Stafford loan this year | 1264 | $21,888 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Blinn College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Blinn College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.5% |
| Borrowers in the cohort | 2886 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Blinn College.
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.
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.