by our College Data Analytics TeamHere you will find what students actually borrow to attend City Colleges of Chicago-Wilbur Wright College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Wilbur Wright College, 0% of incoming students take out a loan to help cover first-year costs, borrowing on average $4,454 each, across private and federal loan sources.
On the federal side, the average loan is $4,454, amounting to 81.0% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Wilbur Wright College, 1% borrow through federal student loan programs, for a typical $4,707 annually. That is 5.7% above the first-year federal average of $4,454.
At a steady annual pace, that totals around $9,414 by year two and around $18,828 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $4,707 |
| Undergraduates with a federal loan | 54 |
| Total federal loans (one year) | $254,176 |
Graduating and withdrawing students at Wilbur Wright College carry a median federal debt of $4,370 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,370 |
| Students who completed (graduates) | $6,500 |
| Students who withdrew | $4,016 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Wilbur Wright College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,000 |
| 75th percentile | $6,000 |
| 90th percentile (highest-debt students) | $9,521 |
How wide this percentile range is tells you how much borrowing varies across students at Wilbur Wright College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Wilbur Wright College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 419 | $12,706 |
| Completed (graduates) | 102 | $9,998 |
| Did not complete | 317 | $13,740 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $118.89/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 Wilbur Wright College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 28 | $11,445 |
| No Stafford loan this year | 391 | $13,103 |
The indicators below describe what the typical debt costs to pay back at Wilbur Wright College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Wilbur Wright College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 7 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $4,370 |
| High income | $4,207 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,328 |
| Continuing-generation students | $4,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $5,200 |
Federal data publishes the following gap measures for Wilbur Wright 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.
Worth Knowing
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.