by our College Data Analytics TeamThis page focuses on the debt students take on to attend Centura College - Newport News: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Centura College - Newport News, 80% of new students use loans toward freshman-year expenses, averaging $7,463 each — a figure that counts both private and federal student loans.
Federal loans alone average $7,463. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Centura College - Newport News, 36% borrow through federal student loan programs, averaging $7,476 each per year. This is 0.2% greater than the $7,463 borrowed by freshmen.
At a steady annual pace, that totals around $14,952 over two years and about $29,904 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $7,476 |
| Undergraduates with a federal loan | 75 |
| Total federal loans (one year) | $560,690 |
The median student at Centura College - Newport News borrows $10,054 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,054 |
| Students who completed (graduates) | $14,750 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Centura College - Newport News.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,708 |
| 25th percentile | $6,198 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $24,594 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Centura College - Newport News.
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 Centura College - Newport News.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 127 | $8,196 |
| Completed (graduates) | 79 | $10,000 |
| Did not complete | 48 | $6,200 |
On a standard 10-year plan, the median completing borrower would pay about $118.91/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Centura College - Newport News.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 113 | — |
| No Stafford loan this year | 14 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Centura College - Newport News.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Centura College - Newport News follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.1% |
| Borrowers in the cohort | 2554 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $10,040 |
| Middle income | $11,125 |
| High income | $8,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,213 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $11,875 |
Federal data publishes the following gap measures for Centura College - Newport News.
The Difference Between Subsidized and 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?
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.