by our College Data Analytics TeamHere you will find what students actually borrow to attend Cuyahoga Community College District— 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.
At Cuyahoga Community College District specifically, 12% of first-year students take on loan debt, with a typical loan of $3,944 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $3,908, amounting to 71.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Cuyahoga Community College District (freshmen included), 13% use federal student loans to help pay for their education, for a typical $4,187 a year. This is 7.1% greater than the $3,908 freshmen take on.
Borrowing the same amount each year would add up to roughly $8,374 over two years and about $16,748 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 13% |
| Average federal loan per year | $4,187 |
| Undergraduates with a federal loan | 1,606 |
| Total federal loans (one year) | $6,724,408 |
The median student at Cuyahoga Community College District borrows $4,724 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,724 |
| Students who completed (graduates) | $8,150 |
| Students who withdrew | $4,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Cuyahoga Community College District.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,070 |
| 25th percentile | $2,000 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $18,666 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Cuyahoga Community College District.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Cuyahoga Community College District.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2558 | $13,603 |
| Completed (graduates) | 362 | $12,283 |
| Did not complete | 2196 | $13,767 |
On a standard 10-year plan, the median completing borrower would pay about $146.06/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Cuyahoga Community College District.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2512 | $13,704 |
| No Stafford loan | 46 | $8,077 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 625 | $10,621 |
| No Stafford loan this year | 1933 | $14,603 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Cuyahoga Community College District.
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 Cuyahoga Community College District follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.0% |
| Borrowers in the cohort | 3957 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $5,000 |
| Middle income | $4,500 |
| High income | $4,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,750 |
| Continuing-generation students | $4,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,772 |
| Independent students | $6,000 |
Federal data publishes the following gap measures for Cuyahoga Community College District.
Subsidized and 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
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.