by our College Data Analytics TeamThis page focuses on the debt students take on to attend Copiah-Lincoln Community 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 Copiah-Lincoln Community College, 12% of freshmen borrow to help pay for their first year, borrowing on average $4,158 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,158, amounting to 75.6% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Copiah-Lincoln Community College (freshmen included), 14% borrow through federal student loan programs, borrowing on average $4,457 each per year. That amounts to 7.2% more than the freshman federal average of $4,158.
Borrowing the same amount each year would add up to roughly $8,914 by year two and around $17,828 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $4,457 |
| Undergraduates with a federal loan | 274 |
| Total federal loans (one year) | $1,221,289 |
The middle borrower at Copiah-Lincoln Community College owes $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,435 |
| Students who withdrew | $4,873 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Copiah-Lincoln Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,313 |
| 25th percentile | $2,000 |
| 75th percentile | $6,041 |
| 90th percentile (highest-debt students) | $9,957 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Copiah-Lincoln Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Copiah-Lincoln Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 113 | $9,160 |
Federal data lets us separate Stafford borrowers from the rest at Copiah-Lincoln Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 40 | $6,000 |
| No Stafford loan this year | 73 | $10,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Copiah-Lincoln Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Copiah-Lincoln Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.4% |
| Borrowers in the cohort | 787 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $4,988 |
| Middle income | $5,052 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,286 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,145 |
| Independent students | $6,035 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Copiah-Lincoln Community College.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Worth Knowing
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.