by our College Data Analytics TeamThis page focuses on the debt students take on to attend Centura College-Virginia Beach— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
| 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 Centura College - Virginia Beach 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 |
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 Centura College - Virginia Beach.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at Centura College - Virginia Beach.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Centura College - Virginia Beach.
| 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.
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 Centura College - Virginia Beach.
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 - Virginia Beach.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Centura College - Virginia Beach is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.1% |
| Borrowers in the cohort | 2554 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,040 |
| Middle income | $11,125 |
| High income | $8,750 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,213 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $11,875 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Centura College - Virginia Beach.
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.
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.