by our College Data Analytics TeamHere you will find what students actually borrow to attend Connecticut State Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Capital Community College, 5% of new students use loans toward freshman-year expenses, averaging $5,382 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,387, or about 97.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Capital Community College, 9% rely on federal student loans toward their education, at an average of $6,108 per year. That amounts to 13.4% higher than the $5,387 borrowed by freshmen.
At a steady annual pace, that totals around $12,216 by year two and around $24,432 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 9% |
| Average federal loan per year | $6,108 |
| Undergraduates with a federal loan | 2,911 |
| Total federal loans (one year) | $17,779,957 |
The median student at Capital Community College borrows $5,235 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,235 |
| Students who completed (graduates) | $9,200 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Capital Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,494 |
| 25th percentile | $2,250 |
| 75th percentile | $8,700 |
| 90th percentile (highest-debt students) | $15,125 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Capital Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Capital Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 376 | $13,394 |
| Completed (graduates) | 56 | $10,236 |
| Did not complete | 320 | $14,584 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $121.72/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 Capital Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 40 | $12,284 |
| No Stafford loan this year | 336 | $13,578 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Capital Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Capital Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.7% |
| Borrowers in the cohort | 92 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,250 |
| Middle income | $5,400 |
| High income | $5,016 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,039 |
| Continuing-generation students | $6,054 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,725 |
| Independent students | $6,054 |
Federal data publishes the following gap measures for Capital Community College.
Subsidized vs. 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
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.