by our College Data Analytics TeamHere you will find what students actually borrow to attend Coconino Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Coconino Community College, 24% of incoming students take out a loan to help cover first-year costs, at roughly $6,033 each, across private and federal loan sources.
The average federally funded loan is $5,680. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Coconino Community College, 6% take out federal student loans, at an average of $6,528 in federal loans per year. It comes to 14.9% greater than the freshman federal average of $5,680.
At a steady annual pace, that totals around $13,056 in two years and roughly $26,112 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $6,528 |
| Undergraduates with a federal loan | 145 |
| Total federal loans (one year) | $946,597 |
The middle borrower at Coconino Community College owes $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $10,250 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Coconino Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,992 |
| 75th percentile | $10,027 |
| 90th percentile (highest-debt students) | $19,632 |
How wide this percentile range is tells you how much borrowing varies across students at Coconino Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Coconino Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 406 | $19,925 |
| Completed (graduates) | 47 | $15,201 |
| Did not complete | 359 | $20,000 |
On a standard 10-year plan, the median completing borrower would pay about $180.76/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Coconino Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 370 | $20,000 |
| No Stafford loan | 36 | $17,883 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 75 | $12,629 |
| No Stafford loan this year | 331 | $20,605 |
The indicators below describe what the typical debt costs to pay back at Coconino 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 Coconino Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.2% |
| Borrowers in the cohort | 445 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,513 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,724 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,700 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Coconino Community College.
Subsidized vs. 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.