by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Chandler-Gilbert Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Chandler-Gilbert Community College, 11% of incoming undergraduates borrow in year one, borrowing on average $5,620 per borrower, covering both private and federal loans.
The average federal loan is $3,688, equal to roughly 67.1% of the $5,500 first-year borrowing cap for the typical first-year 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.
For undergraduates overall at Chandler-Gilbert Community College, 10% rely on federal student loans toward their education, for a typical $3,767 each per year. That is 2.1% above the $3,688 freshmen take on.
At a steady annual pace, that totals around $7,534 across two years and $15,068 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $3,767 |
| Undergraduates with a federal loan | 746 |
| Total federal loans (one year) | $2,810,217 |
The median student at Chandler-Gilbert Community College borrows $4,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,500 |
| Students who completed (graduates) | $7,000 |
| Students who withdrew | $3,745 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Chandler-Gilbert Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $1,750 |
| 75th percentile | $7,500 |
| 90th percentile (highest-debt students) | $13,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Chandler-Gilbert Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Chandler-Gilbert Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 664 | $11,900 |
| Completed (graduates) | 61 | $10,370 |
| Did not complete | 603 | $12,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $123.31/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Chandler-Gilbert Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 623 | $11,838 |
| No Stafford loan | 41 | $13,981 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 149 | $10,175 |
| No Stafford loan this year | 515 | $12,806 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Chandler-Gilbert Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Chandler-Gilbert Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.7% |
| Borrowers in the cohort | 1197 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $4,500 |
| High income | $3,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $4,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $4,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Chandler-Gilbert Community College.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.