by our College Data Analytics TeamHere you will find what students actually borrow to attend Enterprise State Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Enterprise-Ozark Community College, 22% of incoming undergraduates borrow in year one, with a typical loan of $5,380 each, across private and federal loan sources.
The average federally funded loan is $5,380, amounting to 97.8% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Enterprise-Ozark Community College, 28% finance part of their studies with federal loans, at an average of $6,270 annually. This is 16.5% above the freshman federal average of $5,380.
At a steady annual pace, that totals around $12,540 across two years and $25,080 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 | 28% |
| Average federal loan per year | $6,270 |
| Undergraduates with a federal loan | 418 |
| Total federal loans (one year) | $2,620,795 |
The middle borrower at Enterprise-Ozark Community College owes $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,499 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Enterprise-Ozark Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,748 |
| 75th percentile | $10,626 |
| 90th percentile (highest-debt students) | $18,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Enterprise-Ozark 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 Enterprise-Ozark Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 57 | $9,977 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Enterprise-Ozark Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 21 | $8,768 |
| No Stafford loan this year | 36 | $10,734 |
These figures turn the debt totals into a monthly repayment picture for Enterprise-Ozark Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Enterprise-Ozark Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.7% |
| Borrowers in the cohort | 461 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $5,362 |
| Middle income | $5,552 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,537 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Enterprise-Ozark Community College.
The Difference Between 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.
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.