by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Community Christian College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At CCC specifically, 88% of incoming students take out a loan to help cover first-year costs, at roughly $1,985 per borrower, covering both private and federal loans.
On the federal side, the average loan is $1,985, or about 36.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at CCC (freshmen included), 93% finance part of their studies with federal loans, with a mean of $1,834 a year. That is 7.6% smaller than the first-year federal average of $1,985.
Carrying that yearly figure forward comes to roughly $3,668 in two years and roughly $7,336 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 93% |
| Average federal loan per year | $1,834 |
| Undergraduates with a federal loan | 397 |
| Total federal loans (one year) | $728,098 |
Graduating and withdrawing students at CCC carry a median federal debt of $3,668 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,668 |
These figures turn the debt totals into a monthly repayment picture for CCC.
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 CCC follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.6% |
| Borrowers in the cohort | 43 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $3,668 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,668 |
| Continuing-generation students | $3,668 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,668 |
| Independent students | $5,833 |
Federal data publishes the following gap measures for CCC.
Subsidized vs. 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.
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.