by our College Data Analytics TeamHere you will find what students actually borrow to attend Camden County College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Camden County College specifically, 8% of incoming students take out a loan to help cover first-year costs, for an average of $5,343 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,041, which is 91.7% of the $5,500 cap on first-year federal borrowing for the 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.
Across the full undergraduate body at Camden County College (freshmen included), 11% borrow through federal student loan programs, borrowing on average $6,371 each per year. That is 26.4% more than the $5,041 typical freshmen borrow.
At a steady annual pace, that totals around $12,742 over two years and about $25,484 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $6,371 |
| Undergraduates with a federal loan | 691 |
| Total federal loans (one year) | $4,402,669 |
Graduating and withdrawing students at Camden County College carry a median federal debt of $6,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,750 |
| Students who completed (graduates) | $11,851 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Camden County College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,750 |
| 75th percentile | $10,790 |
| 90th percentile (highest-debt students) | $16,662 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Camden County College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Camden County College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 810 | $17,698 |
| Completed (graduates) | 141 | $16,978 |
| Did not complete | 669 | $17,746 |
On a standard 10-year plan, the median completing borrower would pay about $201.89/mo.
Federal data lets us separate Stafford borrowers from the rest at Camden County College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 787 | $17,774 |
| No Stafford loan | 23 | $12,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 204 | $13,800 |
| No Stafford loan this year | 606 | $19,610 |
The indicators below describe what the typical debt costs to pay back at Camden County College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Camden County College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.6% |
| Borrowers in the cohort | 1888 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
| Middle income | $6,000 |
| High income | $7,789 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,960 |
| Continuing-generation students | $5,875 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,732 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Camden County College.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
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.