by our College Data Analytics TeamHere you will find what students actually borrow to attend Chipola College— 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.
At Chipola specifically, 0% of first-year students take on loan debt.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Chipola.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $1,775 |
| 75th percentile | $4,500 |
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Chipola.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 30 | $9,387 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Chipola.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Chipola is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.2% |
| Borrowers in the cohort | 90 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The Difference Between Subsidized and 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
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.