by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Central Virginia Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Central Virginia Community College, 5% of first-year students take on loan debt, at roughly $4,757 each, across private and federal loan sources.
The typical federal loan comes to $4,757, representing 86.5% 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.
Across the full undergraduate body at Central Virginia Community College (freshmen included), 5% use federal student loans to help pay for their education, for a typical $5,950 each per year. This is 25.1% more than the freshman federal average of $4,757.
At a steady annual pace, that totals around $11,900 after two years and $23,800 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 | 5% |
| Average federal loan per year | $5,950 |
| Undergraduates with a federal loan | 107 |
| Total federal loans (one year) | $636,653 |
The median student at Central Virginia Community College borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,625 |
| Students who withdrew | $5,378 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Central Virginia Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,707 |
| 75th percentile | $7,298 |
| 90th percentile (highest-debt students) | $12,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Central Virginia Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Central Virginia Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 279 | $15,000 |
| Completed (graduates) | 64 | $13,379 |
| Did not complete | 215 | $15,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $159.09/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Central Virginia Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 268 | — |
| No Stafford loan | 11 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 30 | $16,569 |
| No Stafford loan this year | 249 | $14,923 |
The indicators below describe what the typical debt costs to pay back at Central Virginia 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 Virginia Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 1 |
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 | $6,373 |
| Middle income | $4,750 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,803 |
| Continuing-generation students | $4,545 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,049 |
| Independent students | $8,488 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Central Virginia Community College.
Subsidized vs. 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.