by our College Data Analytics TeamHere you will find what students actually borrow to attend Delaware County Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Delaware County Community College, 75% of new students use loans toward freshman-year expenses, for an average of $5,589 per student, private and federal loans combined.
The average federally funded loan is $5,533. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Delaware County Community College, 62% use federal student loans to help pay for their education, with a mean of $7,928 annually. This works out to 43.3% larger than the first-year federal average of $5,533.
Carrying that yearly figure forward comes to roughly $15,856 in two years and roughly $31,712 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 | 62% |
| Average federal loan per year | $7,928 |
| Undergraduates with a federal loan | 4,400 |
| Total federal loans (one year) | $34,883,189 |
The median student at Delaware County Community College borrows $8,176 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,176 |
| Students who completed (graduates) | $13,250 |
| Students who withdrew | $7,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Delaware County Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $20,254 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Delaware County Community 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 Delaware County Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1320 | $14,512 |
| Completed (graduates) | 215 | $14,520 |
| Did not complete | 1105 | $14,500 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $172.66/mo.
Federal data lets us separate Stafford borrowers from the rest at Delaware County Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1290 | $14,631 |
| No Stafford loan | 30 | $7,396 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 540 | $11,000 |
| No Stafford loan this year | 780 | $18,659 |
The indicators below describe what the typical debt costs to pay back at Delaware County Community 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 Delaware County Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.1% |
| Borrowers in the cohort | 1716 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,000 |
| Middle income | $8,000 |
| High income | $6,539 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $7,130 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Delaware County Community College.
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.
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.