by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Central Christian College of Kansas, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Central Christian College, 60% of first-year students take on loan debt, for an average of $7,048 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,197, or about 94.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Central Christian College (freshmen included), 80% borrow through federal student loan programs, averaging $7,450 annually. That is 43.4% greater than the freshman federal average of $5,197.
Borrowing the same amount each year would add up to roughly $14,900 after two years and $29,800 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 80% |
| Average federal loan per year | $7,450 |
| Undergraduates with a federal loan | 304 |
| Total federal loans (one year) | $2,264,709 |
Graduating and withdrawing students at Central Christian College carry a median federal debt of $15,750 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,750 |
| Students who completed (graduates) | $27,000 |
| Students who withdrew | $8,526 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Central Christian College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,328 |
| 25th percentile | $4,750 |
| 75th percentile | $23,000 |
| 90th percentile (highest-debt students) | $35,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Central Christian 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 Christian College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 96 | $13,365 |
| Completed (graduates) | 42 | $11,828 |
| Did not complete | 54 | $14,189 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $140.65/mo.
The indicators below describe what the typical debt costs to pay back at Central Christian 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 federal two-year cohort default rate for Central Christian College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.7% |
| Borrowers in the cohort | 114 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,750 |
| Middle income | $16,328 |
| High income | $15,874 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,328 |
| Continuing-generation students | $14,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $21,669 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Central Christian 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.
Worth Knowing
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.