by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Cleveland State Community 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 Cleveland State Community College, 6% of incoming students take out a loan to help cover first-year costs, borrowing on average $5,102 each, across private and federal loan sources.
Federal loans alone average $5,102, which is 92.8% 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.
Looking at all undergraduates at Cleveland State Community College, freshmen included, 10% borrow through federal student loan programs, at an average of $5,471 each per year. It comes to 7.2% greater than the $5,102 borrowed by freshmen.
Borrowing at that rate every year works out to about $10,942 by year two and around $21,884 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $5,471 |
| Undergraduates with a federal loan | 192 |
| Total federal loans (one year) | $1,050,524 |
Graduating and withdrawing students at Cleveland State Community College carry a median federal debt of $5,481 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,481 |
| Students who completed (graduates) | $7,954 |
| Students who withdrew | $4,876 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Cleveland State Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,821 |
| 75th percentile | $11,532 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Cleveland State 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 Cleveland State Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 77 | $10,000 |
| Completed (graduates) | 20 | $6,369 |
| Did not complete | 57 | $11,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $75.73/mo.
Federal data lets us separate Stafford borrowers from the rest at Cleveland State Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 33 | $10,000 |
| No Stafford loan this year | 44 | $10,612 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cleveland State 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 official Department of Education two-year default rate for Cleveland State Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.7% |
| Borrowers in the cohort | 610 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $5,500 |
| Middle income | $5,500 |
| High income | $4,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,125 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,250 |
| Independent students | $8,499 |
Federal data publishes the following gap measures for Cleveland State Community College.
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
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.