by our College Data Analytics TeamHere you will find what students actually borrow to attend Clackamas Community 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.
Looking at the entering class at Clackamas Community College, 61% of freshmen borrow to help pay for their first year, with a typical loan of $5,828 per student, private and federal loans combined.
On the federal side, the average loan is $5,828. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Clackamas Community College (freshmen included), 38% borrow through federal student loan programs, borrowing on average $6,519 a year. This is 11.9% above the freshman federal average of $5,828.
At a steady annual pace, that totals around $13,038 after two years and $26,076 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $6,519 |
| Undergraduates with a federal loan | 1,737 |
| Total federal loans (one year) | $11,323,183 |
The middle borrower at Clackamas Community College owes $6,973 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,973 |
| Students who completed (graduates) | $11,992 |
| Students who withdrew | $6,648 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Clackamas Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,833 |
| 25th percentile | $3,167 |
| 75th percentile | $13,827 |
| 90th percentile (highest-debt students) | $23,500 |
How wide this percentile range is tells you how much borrowing varies across students at Clackamas Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Clackamas Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 326 | $13,308 |
Federal data lets us separate Stafford borrowers from the rest at Clackamas Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 92 | $10,233 |
| No Stafford loan this year | 234 | $14,607 |
The indicators below describe what the typical debt costs to pay back at Clackamas Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Clackamas Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.5% |
| Borrowers in the cohort | 1191 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
| Middle income | $7,000 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $6,644 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Clackamas Community College.
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.