by our College Data Analytics TeamHere you will find what students actually borrow to attend Clatsop Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Clatsop Community College, 4% of incoming students take out a loan to help cover first-year costs, averaging $3,464 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $3,464, representing 63.0% 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.
Across the full undergraduate body at Clatsop Community College (freshmen included), 15% rely on federal student loans toward their education, at an average of $6,165 in federal loans per year. It comes to 78.0% higher than the $3,464 freshmen take on.
Repeating that yearly amount projects to about $12,330 after two years and $24,660 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 15% |
| Average federal loan per year | $6,165 |
| Undergraduates with a federal loan | 77 |
| Total federal loans (one year) | $474,687 |
The middle borrower at Clatsop Community College owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $11,602 |
| Students who withdrew | $8,871 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Clatsop Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,401 |
| 25th percentile | $2,972 |
| 75th percentile | $11,735 |
| 90th percentile (highest-debt students) | $19,515 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Clatsop Community 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 Clatsop Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 38 | $9,887 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Clatsop Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Clatsop Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.6% |
| Borrowers in the cohort | 156 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,499 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,920 |
| Continuing-generation students | $12,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,070 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Clatsop Community College.
Subsidized vs. 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.
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.