by our College Data Analytics TeamHere you will find what students actually borrow to attend BridgeValley Community & Technical College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At BridgeValley Community & Technical College specifically, 16% of incoming students take out a loan to help cover first-year costs, at roughly $5,637 per borrower, covering both private and federal loans.
Federal loans alone average $5,637. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at BridgeValley Community & Technical College (freshmen included), 23% take out federal student loans, averaging $5,948 in federal loans per year. That is 5.5% greater than the $5,637 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $11,896 by year two and around $23,792 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $5,948 |
| Undergraduates with a federal loan | 404 |
| Total federal loans (one year) | $2,402,930 |
Graduating and withdrawing students at BridgeValley Community & Technical College carry a median federal debt of $5,256 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,256 |
| Students who completed (graduates) | $9,829 |
| Students who withdrew | $3,933 |
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 BridgeValley Community & Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,000 |
| 25th percentile | $2,283 |
| 75th percentile | $10,007 |
| 90th percentile (highest-debt students) | $16,528 |
How wide this percentile range is tells you how much borrowing varies across students at BridgeValley Community & Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for BridgeValley Community & Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 140 | $7,551 |
| Completed (graduates) | 40 | $9,394 |
| Did not complete | 100 | $7,005 |
On a standard 10-year plan, the median completing borrower would pay about $111.7/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 BridgeValley Community & Technical College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 65 | $7,407 |
| No Stafford loan this year | 75 | $8,664 |
Repayment burden translates the debt figures into what a borrower actually pays each month. BridgeValley Community & Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for BridgeValley Community & Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.3% |
| Borrowers in the cohort | 594 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,000 |
| Middle income | $5,500 |
| High income | $6,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,000 |
| Continuing-generation students | $7,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,152 |
| Independent students | $5,309 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at BridgeValley Community & Technical 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.