by our College Data Analytics TeamHere you will find what students actually borrow to attend Collin County Community College District: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Collin County Community College District, 13% of incoming students take out a loan to help cover first-year costs, with a typical loan of $3,419 per borrower, covering both private and federal loans.
The typical federal loan comes to $3,397, or about 61.8% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Collin County Community College District, 11% take out federal student loans, for a typical $3,853 in federal loans per year. This is 13.4% greater than the first-year federal average of $3,397.
Borrowing the same amount each year would add up to roughly $7,706 over two years and about $15,412 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $3,853 |
| Undergraduates with a federal loan | 2,774 |
| Total federal loans (one year) | $10,689,199 |
The median student at Collin County Community College District borrows $4,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,500 |
| Students who completed (graduates) | $7,500 |
| Students who withdrew | $4,000 |
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 Collin County Community College District.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,902 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $21,648 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Collin County Community College District.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Collin County Community College District.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2114 | $16,723 |
| Completed (graduates) | 258 | $13,908 |
| Did not complete | 1856 | $17,138 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $165.38/mo.
Federal data lets us separate Stafford borrowers from the rest at Collin County Community College District.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2019 | $16,598 |
| No Stafford loan | 95 | $18,713 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 443 | $11,073 |
| No Stafford loan this year | 1671 | $18,120 |
These figures turn the debt totals into a monthly repayment picture for Collin County Community College District.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Collin County Community College District follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.9% |
| Borrowers in the cohort | 2224 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $4,500 |
| High income | $4,282 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $4,474 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $5,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Collin County Community College District.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.