by our College Data Analytics TeamHere you will find what students actually borrow to attend Central Alabama Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Central Alabama Community College, 27% of incoming students take out a loan to help cover first-year costs, at roughly $3,348 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $3,348, amounting to 60.9% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Central Alabama Community College, 29% borrow through federal student loan programs, borrowing on average $3,741 a year. This is 11.7% more than the $3,348 freshmen take on.
At a steady annual pace, that totals around $7,482 after two years and $14,964 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 29% |
| Average federal loan per year | $3,741 |
| Undergraduates with a federal loan | 324 |
| Total federal loans (one year) | $1,211,951 |
The middle borrower at Central Alabama Community College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,766 |
| Students who withdrew | $4,514 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Central Alabama Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,250 |
| 75th percentile | $13,500 |
| 90th percentile (highest-debt students) | $27,362 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Central Alabama 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 Central Alabama Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 64 | $12,534 |
Federal data lets us separate Stafford borrowers from the rest at Central Alabama Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 23 | $14,289 |
| No Stafford loan this year | 41 | $10,000 |
The indicators below describe what the typical debt costs to pay back at Central Alabama Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Central Alabama Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.4% |
| Borrowers in the cohort | 588 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
| Middle income | $5,874 |
| High income | $5,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,750 |
| Continuing-generation students | $5,282 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,960 |
| Independent students | $8,450 |
Federal data publishes the following gap measures for Central Alabama 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.
Important to Remember
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.