by our College Data Analytics TeamHere you will find what students actually borrow to attend Cochise County Community College District, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Cochise College specifically, 6% of first-year students take on loan debt, for an average of $11,251 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,246, or about 95.4% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Cochise College, 8% use federal student loans to help pay for their education, for a typical $6,649 per year. This is 26.7% higher than the $5,246 typical freshmen borrow.
Borrowing at that rate every year works out to about $13,298 over two years and about $26,596 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 | 8% |
| Average federal loan per year | $6,649 |
| Undergraduates with a federal loan | 227 |
| Total federal loans (one year) | $1,509,213 |
The middle borrower at Cochise College owes $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,750 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Cochise College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,412 |
| 75th percentile | $9,117 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at Cochise College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Cochise College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 620 | $12,801 |
| Completed (graduates) | 113 | $13,000 |
| Did not complete | 507 | $12,491 |
On a standard 10-year plan, the median completing borrower would pay about $154.58/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Cochise College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 608 | — |
| No Stafford loan | 12 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 26 | $10,276 |
| No Stafford loan this year | 594 | $13,006 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cochise 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 Cochise College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.5% |
| Borrowers in the cohort | 376 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
| Middle income | $5,250 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,787 |
| Independent students | $7,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Cochise 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.
Did You Know?
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.