by our College Data Analytics TeamHere you will find what students actually borrow to attend Clovis Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Clovis Community College, 0% of freshmen borrow to help pay for their first year, at roughly $743 per student, private and federal loans combined.
On the federal side, the average loan is $743, equal to roughly 13.5% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Clovis Community College, 0% finance part of their studies with federal loans, borrowing on average $4,132 in federal loans per year. This is 456.1% more than the first-year federal average of $743.
Borrowing the same amount each year would add up to roughly $8,264 over two years and about $16,528 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 | 0% |
| Average federal loan per year | $4,132 |
| Undergraduates with a federal loan | 16 |
| Total federal loans (one year) | $66,119 |
The median student at Clovis Community College borrows $3,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Clovis Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 446 | $10,174 |
| Completed (graduates) | 19 | $12,600 |
| Did not complete | 427 | $10,125 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $149.83/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 Clovis Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 427 | $10,250 |
| No Stafford loan | 19 | $6,340 |
These figures turn the debt totals into a monthly repayment picture for Clovis Community College.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $3,000 |
| Middle income | $3,500 |
| High income | $3,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,500 |
| Continuing-generation students | $2,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,216 |
| Independent students | $3,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Clovis 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
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.