by our College Data Analytics TeamThis page focuses on the debt students take on to attend SUNY Broome Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at SUNY Broome, 45% of freshmen borrow to help pay for their first year, at roughly $5,086 per student, private and federal loans combined.
The average federal loan is $5,086, which is 92.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at SUNY Broome (freshmen included), 47% finance part of their studies with federal loans, for a typical $6,311 annually. That is 24.1% more than the $5,086 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $12,622 by year two and around $25,244 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 | 47% |
| Average federal loan per year | $6,311 |
| Undergraduates with a federal loan | 1,520 |
| Total federal loans (one year) | $9,592,821 |
The middle borrower at SUNY Broome owes $7,727 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,727 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $5,500 |
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 SUNY Broome.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,152 |
| 25th percentile | $3,500 |
| 75th percentile | $11,414 |
| 90th percentile (highest-debt students) | $17,975 |
How wide this percentile range is tells you how much borrowing varies across students at SUNY Broome.
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 SUNY Broome.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 560 | $11,370 |
| Completed (graduates) | 142 | $11,726 |
| Did not complete | 418 | $11,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $139.43/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at SUNY Broome.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 409 | $10,025 |
| No Stafford loan this year | 151 | $16,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. SUNY Broome.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for SUNY Broome follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.5% |
| Borrowers in the cohort | 1340 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,081 |
| Middle income | $7,663 |
| High income | $6,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,812 |
| Continuing-generation students | $7,414 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for SUNY Broome.
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.