by our College Data Analytics TeamThis page focuses on the debt students take on 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. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Clovis Community College, 1% of incoming undergraduates borrow in year one, borrowing on average $2,094 each — a figure that counts both private and federal student loans.
The average federally funded loan is $2,094, or about 38.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Clovis Community College, 6% take out federal student loans, for a typical $4,692 each per year. That amounts to 124.1% larger than the $2,094 freshmen take on.
Carrying that yearly figure forward comes to roughly $9,384 by year two and around $18,768 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $4,692 |
| Undergraduates with a federal loan | 69 |
| Total federal loans (one year) | $323,732 |
The middle borrower at Clovis Community College owes $5,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,750 |
| Students who completed (graduates) | $7,250 |
| Students who withdrew | $5,022 |
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 Clovis Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,413 |
| 25th percentile | $2,000 |
| 75th percentile | $8,377 |
| 90th percentile (highest-debt students) | $15,309 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Clovis 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 Clovis Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 123 | $13,825 |
The indicators below describe what the typical debt costs to pay back at Clovis Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Clovis Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.4% |
| Borrowers in the cohort | 226 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,107 |
| Middle income | $5,857 |
| High income | $2,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,982 |
| Continuing-generation students | $4,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $6,067 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Clovis Community College.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.