by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Las Vegas College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Las Vegas College, 96% of incoming undergraduates borrow in year one, at roughly $15,034 each, across private and federal loan sources.
The average federally funded loan is $8,423. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Las Vegas College, 68% use federal student loans to help pay for their education, with a mean of $9,447 each per year. This is 12.2% more than the first-year federal average of $8,423.
Borrowing at that rate every year works out to about $18,894 by year two and around $37,788 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 68% |
| Average federal loan per year | $9,447 |
| Undergraduates with a federal loan | 369 |
| Total federal loans (one year) | $3,485,775 |
The middle borrower at Las Vegas College owes $7,951 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,951 |
| Students who completed (graduates) | $8,279 |
| Students who withdrew | $4,222 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Las Vegas College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,507 |
| 25th percentile | $4,522 |
| 75th percentile | $19,883 |
| 90th percentile (highest-debt students) | $28,091 |
How wide this percentile range is tells you how much borrowing varies across students at Las Vegas College.
The indicators below describe what the typical debt costs to pay back at Las Vegas College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Las Vegas College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.2% |
| Borrowers in the cohort | 861 |
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 | $7,867 |
| Middle income | $8,444 |
| High income | $8,444 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,951 |
| Continuing-generation students | $7,951 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,889 |
| Independent students | $8,195 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Las Vegas 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.