by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Crowder College: 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.
Among first-year students at Crowder College, 11% of first-year students take on loan debt, averaging $4,436 per student, private and federal loans combined.
The average federal loan is $4,091, representing 74.4% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Crowder College, freshmen included, 14% borrow through federal student loan programs, borrowing on average $5,413 each per year. This works out to 32.3% greater than the $4,091 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $10,826 over two years and about $21,652 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $5,413 |
| Undergraduates with a federal loan | 379 |
| Total federal loans (one year) | $2,051,360 |
The median student at Crowder College borrows $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,000 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Crowder College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,625 |
| 25th percentile | $2,750 |
| 75th percentile | $11,455 |
| 90th percentile (highest-debt students) | $19,743 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Crowder College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Crowder College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 91 | $7,675 |
| Completed (graduates) | 32 | $7,675 |
| Did not complete | 59 | $7,675 |
On a standard 10-year plan, the median completing borrower would pay about $91.26/mo.
Federal data lets us separate Stafford borrowers from the rest at Crowder College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 27 | $7,350 |
| No Stafford loan this year | 64 | $8,110 |
The indicators below describe what the typical debt costs to pay back at Crowder 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 Crowder College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.3% |
| Borrowers in the cohort | 655 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
| Middle income | $5,500 |
| High income | $5,305 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,082 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,750 |
| Independent students | $8,800 |
Federal data publishes the following gap measures for Crowder 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.
Did You Know?
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.