by our College Data Analytics TeamHere you will find what students actually borrow to attend Clinton Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Clinton Community College, 20% of freshmen borrow to help pay for their first year, borrowing on average $4,891 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $4,474, representing 81.3% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Clinton Community College, 34% rely on federal student loans toward their education, averaging $6,127 each per year. It comes to 36.9% greater than the freshman federal average of $4,474.
At a steady annual pace, that totals around $12,254 after two years and $24,508 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 34% |
| Average federal loan per year | $6,127 |
| Undergraduates with a federal loan | 131 |
| Total federal loans (one year) | $802,591 |
The median student at Clinton Community College borrows $8,125 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,125 |
| Students who completed (graduates) | $13,250 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Clinton Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,064 |
| 25th percentile | $3,233 |
| 75th percentile | $11,864 |
| 90th percentile (highest-debt students) | $18,040 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Clinton Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Clinton Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 85 | $10,752 |
| Completed (graduates) | 23 | $11,523 |
| Did not complete | 62 | $9,951 |
On a standard 10-year plan, the median completing borrower would pay about $137.02/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 Clinton Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 52 | $9,053 |
| No Stafford loan this year | 33 | $11,375 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Clinton 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 Clinton Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 582 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $9,500 |
| Middle income | $7,250 |
| High income | $6,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,250 |
| Continuing-generation students | $8,996 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,649 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Clinton Community College.
Subsidized vs. 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.
Important to Remember
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.