by our College Data Analytics TeamThis page focuses on the debt students take on to attend Stellar Career College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Stellar Career College, 69% of first-year students take on loan debt, with a typical loan of $5,891 each — a figure that counts both private and federal student loans.
The average federal loan is $5,891. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Stellar Career College, 70% borrow through federal student loan programs, borrowing on average $5,964 per year. That amounts to 1.2% higher than the $5,891 borrowed by freshmen.
Repeating that yearly amount projects to about $11,928 in two years and roughly $23,856 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 | 70% |
| Average federal loan per year | $5,964 |
| Undergraduates with a federal loan | 68 |
| Total federal loans (one year) | $405,529 |
The middle borrower at Stellar Career College owes $4,688 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,688 |
| Students who completed (graduates) | $4,834 |
| Students who withdrew | $3,694 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
These figures turn the debt totals into a monthly repayment picture for Stellar Career 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 Stellar Career College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.4% |
| Borrowers in the cohort | 59 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $4,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,278 |
| Independent students | $4,750 |
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
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.