by our College Data Analytics TeamHere you will find what students actually borrow to attend Brewton-Parker College: 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 Brewton - Parker College, 63% of freshmen borrow to help pay for their first year, at roughly $7,222 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,434, which is 98.8% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Brewton - Parker College, 53% use federal student loans to help pay for their education, averaging $6,439 in federal loans per year. That amounts to 18.5% more than the $5,434 freshmen take on.
At a steady annual pace, that totals around $12,878 over two years and about $25,756 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $6,439 |
| Undergraduates with a federal loan | 362 |
| Total federal loans (one year) | $2,330,863 |
The median student at Brewton - Parker College borrows $8,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,250 |
| Students who completed (graduates) | $24,990 |
| Students who withdrew | $6,450 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Brewton - Parker College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,625 |
| 25th percentile | $5,500 |
| 75th percentile | $22,000 |
| 90th percentile (highest-debt students) | $35,418 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Brewton - Parker College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Brewton - Parker College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 136 | $10,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Brewton - Parker College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Brewton - Parker College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.2% |
| Borrowers in the cohort | 336 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,250 |
| Middle income | $8,250 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,236 |
| Independent students | $15,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Brewton - Parker College.
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.