by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Central Piedmont Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Central Piedmont Community College, 1% of incoming students take out a loan to help cover first-year costs, averaging $7,333 per borrower, covering both private and federal loans.
Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
The median student at Central Piedmont Community College borrows $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,925 |
| Students who withdrew | $5,193 |
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 Central Piedmont Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,213 |
| 25th percentile | $2,250 |
| 75th percentile | $9,000 |
| 90th percentile (highest-debt students) | $16,097 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Central Piedmont Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Central Piedmont Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1442 | $12,360 |
| Completed (graduates) | 222 | $10,466 |
| Did not complete | 1220 | $12,846 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $124.45/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Central Piedmont Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1392 | $12,604 |
| No Stafford loan | 50 | $8,330 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 12 | — |
| No Stafford loan this year | 1430 | — |
The indicators below describe what the typical debt costs to pay back at Central Piedmont 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 Central Piedmont Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,166 |
| Middle income | $5,000 |
| High income | $3,231 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,719 |
| Independent students | $8,550 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Central Piedmont 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?
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.