by our College Data Analytics TeamBelow is federal data on the loans students use to pay for CES College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at CES College, 71% of first-year students take on loan debt, with a typical loan of $8,800 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $8,800. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at CES College, 77% borrow through federal student loan programs, borrowing on average $8,358 a year. That amounts to 5.0% less than the $8,800 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $16,716 by year two and around $33,432 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 77% |
| Average federal loan per year | $8,358 |
| Undergraduates with a federal loan | 130 |
| Total federal loans (one year) | $1,086,535 |
Graduating and withdrawing students at CES College carry a median federal debt of $16,450 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,450 |
| Students who completed (graduates) | $16,821 |
| Students who withdrew | $8,742 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CES College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $9,286 |
| 75th percentile | $17,200 |
These figures turn the debt totals into a monthly repayment picture for CES 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 federal two-year cohort default rate for CES College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 13 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,420 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,549 |
| Continuing-generation students | $16,016 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,267 |
| Independent students | $16,529 |
Federal data publishes the following gap measures for CES College.
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.
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.