by our College Data Analytics TeamHere you will find what students actually borrow to attend Cloud County Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Cloud County Community College, 17% of freshmen borrow to help pay for their first year, at roughly $4,510 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,510, which is 82.0% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Cloud County Community College (freshmen included), 15% borrow through federal student loan programs, borrowing on average $5,103 annually. That is 13.1% more than the $4,510 typical freshmen borrow.
Borrowing at that rate every year works out to about $10,206 across two years and $20,412 after four. 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 | $5,103 |
| Undergraduates with a federal loan | 118 |
| Total federal loans (one year) | $602,188 |
The median student at Cloud County Community College borrows $6,326 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,326 |
| Students who completed (graduates) | $8,000 |
| Students who withdrew | $5,500 |
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 Cloud County Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $9,000 |
| 90th percentile (highest-debt students) | $12,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cloud County Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Cloud County Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 125 | $10,323 |
| Completed (graduates) | 29 | $12,655 |
| Did not complete | 96 | $10,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $150.48/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Cloud County Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 42 | $8,238 |
| No Stafford loan this year | 83 | $11,469 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cloud County Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Cloud County Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.8% |
| Borrowers in the cohort | 536 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,600 |
| Middle income | $5,500 |
| High income | $6,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $5,532 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,000 |
| Independent students | $6,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Cloud County 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.