by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Davidson-Davie Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At DCCC specifically, 31% of first-year students take on loan debt, for an average of $3,849 each, across private and federal loan sources.
The average federally funded loan is $3,813, equal to roughly 69.3% 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.
For undergraduates overall at DCCC, 30% finance part of their studies with federal loans, with a mean of $6,911 a year. This is 81.2% more than the first-year federal average of $3,813.
At a steady annual pace, that totals around $13,822 across two years and $27,644 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $6,911 |
| Undergraduates with a federal loan | 738 |
| Total federal loans (one year) | $5,100,112 |
The median student at DCCC borrows $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $8,916 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at DCCC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,252 |
| 25th percentile | $4,331 |
| 75th percentile | $17,337 |
| 90th percentile (highest-debt students) | $28,905 |
How wide this percentile range is tells you how much borrowing varies across students at DCCC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for DCCC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 190 | $10,384 |
| Completed (graduates) | 72 | $7,986 |
| Did not complete | 118 | $11,048 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $94.96/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at DCCC.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 53 | $6,031 |
| No Stafford loan this year | 137 | $12,994 |
The indicators below describe what the typical debt costs to pay back at DCCC.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for DCCC appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.6% |
| Borrowers in the cohort | 227 |
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 | $9,500 |
| Middle income | $9,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $6,910 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,875 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at DCCC.
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.
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.