by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Central Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Central Community College specifically, 18% of incoming students take out a loan to help cover first-year costs, borrowing on average $4,304 per borrower, covering both private and federal loans.
Federal loans alone average $4,304, or about 78.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Central Community College, 19% rely on federal student loans toward their education, borrowing on average $4,605 a year. That amounts to 7.0% above the $4,304 freshmen take on.
Borrowing the same amount each year would add up to roughly $9,210 over two years and about $18,420 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 19% |
| Average federal loan per year | $4,605 |
| Undergraduates with a federal loan | 596 |
| Total federal loans (one year) | $2,744,729 |
The median student at Central Community College borrows $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,992 |
| Students who withdrew | $3,991 |
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 Central Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,331 |
| 25th percentile | $1,750 |
| 75th percentile | $6,816 |
| 90th percentile (highest-debt students) | $11,075 |
How wide this percentile range is tells you how much borrowing varies across students at Central 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 Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 523 | $10,005 |
| Completed (graduates) | 97 | $8,750 |
| Did not complete | 426 | $10,450 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $104.05/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 Central Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 513 | — |
| No Stafford loan | 10 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 159 | $7,201 |
| No Stafford loan this year | 364 | $12,070 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Central Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Central Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 1036 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,250 |
| Middle income | $5,343 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,429 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,245 |
| Independent students | $6,500 |
Federal data publishes the following gap measures for Central 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.
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.