by our College Data Analytics TeamHere you will find what students actually borrow to attend Cayuga County Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Cayuga Community College, 31% of first-year students take on loan debt, for an average of $5,471 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,314, or about 96.6% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Cayuga Community College, freshmen included, 35% finance part of their studies with federal loans, at an average of $5,923 in federal loans per year. It comes to 11.5% greater than the $5,314 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $11,846 after two years and $23,692 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 35% |
| Average federal loan per year | $5,923 |
| Undergraduates with a federal loan | 406 |
| Total federal loans (one year) | $2,404,736 |
Graduating and withdrawing students at Cayuga Community College carry a median federal debt of $6,462 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,462 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,200 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Cayuga Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,441 |
| 75th percentile | $12,101 |
| 90th percentile (highest-debt students) | $19,038 |
How wide this percentile range is tells you how much borrowing varies across students at Cayuga Community College.
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 Cayuga Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 487 | $15,566 |
| Completed (graduates) | 21 | $20,000 |
| Did not complete | 466 | $15,294 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $237.82/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 Cayuga Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 109 | $7,500 |
| No Stafford loan this year | 378 | $19,134 |
The indicators below describe what the typical debt costs to pay back at Cayuga Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Cayuga Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.1% |
| Borrowers in the cohort | 1471 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,205 |
| Middle income | $6,500 |
| High income | $6,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,413 |
| Continuing-generation students | $6,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,450 |
Federal data publishes the following gap measures for Cayuga Community College.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.