by our College Data Analytics TeamHere you will find what students actually borrow to attend Cisco College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Cisco College, 9% of freshmen borrow to help pay for their first year, for an average of $5,202 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,202, or about 94.6% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Cisco College, 11% take out federal student loans, averaging $5,648 annually. That is 8.6% more than the $5,202 borrowed by freshmen.
Repeating that yearly amount projects to about $11,296 over two years and about $22,592 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $5,648 |
| Undergraduates with a federal loan | 185 |
| Total federal loans (one year) | $1,044,790 |
Graduating and withdrawing students at Cisco College carry a median federal debt of $6,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Cisco College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $10,000 |
| 90th percentile (highest-debt students) | $18,000 |
How wide this percentile range is tells you how much borrowing varies across students at Cisco College.
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 Cisco College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 172 | $10,149 |
| Completed (graduates) | 24 | $8,942 |
| Did not complete | 148 | $11,250 |
On a standard 10-year plan, the median completing borrower would pay about $106.33/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Cisco College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 46 | $7,724 |
| No Stafford loan this year | 126 | $13,068 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cisco College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Cisco College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 752 |
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 | $8,000 |
| Middle income | $6,000 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,125 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Cisco College.
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?
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.