by our College Data Analytics TeamThis page focuses on the debt students take on to attend Delta College of Arts & Technology - Lafayette Campus— 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.
For incoming students at Delta College of Arts & Technology - Lafayette Campus, 90% of incoming undergraduates borrow in year one, averaging $3,971 per student, private and federal loans combined.
The typical federal loan comes to $3,971, amounting to 72.2% 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.
For undergraduates overall at Delta College of Arts & Technology - Lafayette Campus, 60% use federal student loans to help pay for their education, for a typical $5,479 a year. This works out to 38.0% higher than the freshman federal average of $3,971.
Carrying that yearly figure forward comes to roughly $10,958 after two years and $21,916 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $5,479 |
| Undergraduates with a federal loan | 155 |
| Total federal loans (one year) | $849,284 |
Graduating and withdrawing students at Delta College of Arts & Technology - Lafayette Campus carry a median federal debt of $5,899 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,899 |
| Students who completed (graduates) | $7,393 |
| Students who withdrew | $3,979 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Delta College of Arts & Technology - Lafayette Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,500 |
| 75th percentile | $8,480 |
| 90th percentile (highest-debt students) | $12,000 |
How wide this percentile range is tells you how much borrowing varies across students at Delta College of Arts & Technology - Lafayette Campus.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Delta College of Arts & Technology - Lafayette Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 69 | $6,553 |
| Completed (graduates) | 25 | $8,172 |
| Did not complete | 44 | $6,526 |
On a standard 10-year plan, the median completing borrower would pay about $97.17/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 Delta College of Arts & Technology - Lafayette Campus.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 47 | $6,221 |
| No Stafford loan this year | 22 | $8,809 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Delta College of Arts & Technology - Lafayette Campus.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Delta College of Arts & Technology - Lafayette Campus is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 355 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,843 |
| Middle income | $8,189 |
| High income | $6,153 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,869 |
| Continuing-generation students | $7,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $5,997 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Delta College of Arts & Technology - Lafayette Campus.
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.
Did You Know?
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.