by our College Data Analytics TeamHere you will find what students actually borrow to attend Daytona State 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.
Among first-year students at Daytona State College, 22% of freshmen borrow to help pay for their first year, averaging $3,563 each, across private and federal loan sources.
The typical federal loan comes to $3,438, which is 62.5% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Daytona State College, 21% take out federal student loans, borrowing on average $3,812 per year. That amounts to 10.9% more than the freshman federal average of $3,438.
Repeating that yearly amount projects to about $7,624 across two years and $15,248 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 | 21% |
| Average federal loan per year | $3,812 |
| Undergraduates with a federal loan | 1,969 |
| Total federal loans (one year) | $7,505,710 |
The median student at Daytona State College borrows $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,250 |
| Students who withdrew | $3,950 |
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 Daytona State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,546 |
| 25th percentile | $2,535 |
| 75th percentile | $11,539 |
| 90th percentile (highest-debt students) | $21,851 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Daytona State College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Daytona State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 722 | $12,992 |
| Completed (graduates) | 238 | $12,000 |
| Did not complete | 484 | $13,075 |
On a standard 10-year plan, the median completing borrower would pay about $142.69/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Daytona State College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 701 | $13,000 |
| No Stafford loan | 21 | $7,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 266 | $10,000 |
| No Stafford loan this year | 456 | $14,823 |
These figures turn the debt totals into a monthly repayment picture for Daytona State College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Daytona State College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.9% |
| Borrowers in the cohort | 4454 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,750 |
| Middle income | $5,313 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $7,123 |
Federal data publishes the following gap measures for Daytona State 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.