by our College Data Analytics TeamThis page focuses on the debt students take on to attend Cape Cod Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Cape Cod Community College, 10% of incoming undergraduates borrow in year one, averaging $5,663 per student, private and federal loans combined.
The average federally funded loan is $5,157, which is 93.8% of the $5,500 cap on first-year federal borrowing for the typical dependent student. 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 Cape Cod Community College (freshmen included), 11% take out federal student loans, borrowing on average $6,441 in federal loans per year. That amounts to 24.9% larger than the first-year federal average of $5,157.
Borrowing at that rate every year works out to about $12,882 across two years and $25,764 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $6,441 |
| Undergraduates with a federal loan | 253 |
| Total federal loans (one year) | $1,629,470 |
Graduating and withdrawing students at Cape Cod Community College carry a median federal debt of $6,443 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,443 |
| Students who completed (graduates) | $12,000 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Cape Cod Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $3,000 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $18,756 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cape Cod Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Cape Cod Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 270 | $17,608 |
| Completed (graduates) | 48 | $11,921 |
| Did not complete | 222 | $18,289 |
On a standard 10-year plan, the median completing borrower would pay about $141.75/mo.
Federal data lets us separate Stafford borrowers from the rest at Cape Cod Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 250 | $18,289 |
| No Stafford loan | 20 | $7,800 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 44 | $11,556 |
| No Stafford loan this year | 226 | $18,698 |
The indicators below describe what the typical debt costs to pay back at Cape Cod Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Cape Cod Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 288 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,640 |
| Middle income | $7,227 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,050 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Cape Cod Community College.
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.