by our College Data Analytics TeamHere you will find what students actually borrow to attend Danville Area Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at DACC, 3% of new students use loans toward freshman-year expenses, at roughly $3,995 per borrower, covering both private and federal loans.
Federal loans alone average $3,995, amounting to 72.6% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at DACC, 6% use federal student loans to help pay for their education, for a typical $3,788 each per year. That amounts to 5.2% less than the $3,995 typical freshmen borrow.
Borrowing at that rate every year works out to about $7,576 across two years and $15,152 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $3,788 |
| Undergraduates with a federal loan | 77 |
| Total federal loans (one year) | $291,707 |
The median student at DACC borrows $3,975 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,975 |
| Students who completed (graduates) | $7,218 |
| Students who withdrew | $3,491 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for DACC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,320 |
| 25th percentile | $1,750 |
| 75th percentile | $6,000 |
| 90th percentile (highest-debt students) | $10,500 |
How wide this percentile range is tells you how much borrowing varies across students at DACC.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at DACC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 71 | $12,216 |
| Completed (graduates) | 23 | $10,795 |
| Did not complete | 48 | $12,969 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $128.36/mo.
Federal data lets us separate Stafford borrowers from the rest at DACC.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 20 | $7,940 |
| No Stafford loan this year | 51 | $14,693 |
These figures turn the debt totals into a monthly repayment picture for DACC.
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 DACC appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 302 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
| Middle income | $4,000 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,563 |
| Continuing-generation students | $4,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,731 |
| Independent students | $4,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at DACC.
The Difference Between 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.
Worth Knowing
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.