by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Blue Cliff College-Gulfport, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Blue Cliff College - Gulfport specifically, 72% of first-year students take on loan debt, averaging $6,591 per borrower, covering both private and federal loans.
On the federal side, the average loan is $6,591. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Blue Cliff College - Gulfport, 62% finance part of their studies with federal loans, at an average of $6,018 in federal loans per year. It comes to 8.7% lower than the first-year federal average of $6,591.
At a steady annual pace, that totals around $12,036 across two years and $24,072 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,018 |
| Undergraduates with a federal loan | 268 |
| Total federal loans (one year) | $1,612,776 |
The median student at Blue Cliff College - Gulfport borrows $8,265 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,265 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Blue Cliff College - Gulfport.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,894 |
| 25th percentile | $4,750 |
| 75th percentile | $12,402 |
| 90th percentile (highest-debt students) | $16,535 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Blue Cliff College - Gulfport.
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 Blue Cliff College - Gulfport.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 315 | $6,535 |
| Completed (graduates) | 194 | $7,205 |
| Did not complete | 121 | $5,140 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $85.68/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 Blue Cliff College - Gulfport.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 290 | $6,517 |
| No Stafford loan this year | 25 | $7,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Blue Cliff College - Gulfport.
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 Blue Cliff College - Gulfport appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 1680 |
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 | $8,265 |
| Middle income | $8,265 |
| High income | $6,365 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,265 |
| Continuing-generation students | $8,265 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,334 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Blue Cliff College - Gulfport.
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
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.