by our College Data Analytics TeamHere you will find what students actually borrow to attend Carroll Community 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.
Among first-year students at Carroll Community College, 6% of first-year students take on loan debt, borrowing on average $4,450 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,450, representing 80.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Carroll Community College, freshmen included, 7% rely on federal student loans toward their education, at an average of $5,227 a year. That is 17.5% more than the $4,450 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $10,454 across two years and $20,908 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 | 7% |
| Average federal loan per year | $5,227 |
| Undergraduates with a federal loan | 141 |
| Total federal loans (one year) | $736,948 |
The middle borrower at Carroll Community College owes $7,769 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,769 |
| Students who completed (graduates) | $11,750 |
| 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 Carroll Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,054 |
| 75th percentile | $12,247 |
| 90th percentile (highest-debt students) | $18,609 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Carroll Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Carroll Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 185 | $16,000 |
| Completed (graduates) | 55 | $15,900 |
| Did not complete | 130 | $16,062 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $189.07/mo.
Federal data lets us separate Stafford borrowers from the rest at Carroll Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 174 | — |
| No Stafford loan | 11 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 36 | $15,184 |
| No Stafford loan this year | 149 | $16,124 |
The indicators below describe what the typical debt costs to pay back at Carroll Community College.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,316 |
| Middle income | $9,105 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $11,928 |
Federal data publishes the following gap measures for Carroll 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?
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.