by our College Data Analytics TeamBelow is federal data on the loans students use to pay for College of Court Reporting Inc, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at College of Court Reporting, 88% of new students use loans toward freshman-year expenses, for an average of $7,423 per student, private and federal loans combined.
The typical federal loan comes to $7,423. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at College of Court Reporting, freshmen included, 72% use federal student loans to help pay for their education, with a mean of $9,013 annually. That amounts to 21.4% higher than the first-year federal average of $7,423.
Carrying that yearly figure forward comes to roughly $18,026 in two years and roughly $36,052 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $9,013 |
| Undergraduates with a federal loan | 132 |
| Total federal loans (one year) | $1,189,711 |
The median student at College of Court Reporting borrows $13,779 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,779 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for College of Court Reporting.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $7,995 |
| 75th percentile | $30,396 |
| 90th percentile (highest-debt students) | $43,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at College of Court Reporting.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for College of Court Reporting.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 24 | $7,018 |
These figures turn the debt totals into a monthly repayment picture for College of Court Reporting.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for College of Court Reporting is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.8% |
| Borrowers in the cohort | 145 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,015 |
| Middle income | $11,136 |
| High income | $17,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,500 |
| Continuing-generation students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at College of Court Reporting.
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.
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.