by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Community Care College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Community Care College, 68% of new students use loans toward freshman-year expenses, with a typical loan of $9,281 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $9,281. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Community Care College, freshmen included, 41% borrow through federal student loan programs, for a typical $9,274 a year. That is 0.1% lower than the $9,281 borrowed by freshmen.
At a steady annual pace, that totals around $18,548 across two years and $37,096 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $9,274 |
| Undergraduates with a federal loan | 302 |
| Total federal loans (one year) | $2,800,696 |
The median student at Community Care College borrows $7,934 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,934 |
| Students who completed (graduates) | $8,898 |
| Students who withdrew | $5,370 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Community Care College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $6,089 |
| 75th percentile | $13,389 |
| 90th percentile (highest-debt students) | $17,347 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Community Care College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Community Care College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 137 | $7,000 |
| Completed (graduates) | 113 | $7,545 |
| Did not complete | 24 | $5,795 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $89.72/mo.
These figures turn the debt totals into a monthly repayment picture for Community Care College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Community Care College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 1092 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,830 |
| Middle income | $8,558 |
| High income | $7,990 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,904 |
| Continuing-generation students | $8,188 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,125 |
| Independent students | $8,204 |
Federal data publishes the following gap measures for Community Care College.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Worth Knowing
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.