by our College Data Analytics TeamThis page focuses on the debt students take on to attend Georgia Gwinnett College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Georgia Gwinnett College, 29% of incoming undergraduates borrow in year one, borrowing on average $5,448 each — a figure that counts both private and federal student loans.
The average federally funded loan is $5,061, equal to roughly 92.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Georgia Gwinnett College, 26% rely on federal student loans toward their education, for a typical $5,379 in federal loans per year. This is 6.3% greater than the freshman federal average of $5,061.
Borrowing the same amount each year would add up to roughly $10,758 over two years and about $21,516 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 26% |
| Average federal loan per year | $5,379 |
| Undergraduates with a federal loan | 2,934 |
| Total federal loans (one year) | $15,783,328 |
Graduating and withdrawing students at Georgia Gwinnett College carry a median federal debt of $9,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,000 |
| Students who completed (graduates) | $20,076 |
| Students who withdrew | $8,458 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Georgia Gwinnett College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $3,500 |
| 75th percentile | $16,724 |
| 90th percentile (highest-debt students) | $29,294 |
How wide this percentile range is tells you how much borrowing varies across students at Georgia Gwinnett College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Georgia Gwinnett College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1210 | $12,500 |
| Completed (graduates) | 58 | $11,267 |
| Did not complete | 1152 | $12,500 |
On a standard 10-year plan, the median completing borrower would pay about $133.98/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 Georgia Gwinnett College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1170 | $12,532 |
| No Stafford loan | 40 | $8,915 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 966 | $12,465 |
| No Stafford loan this year | 244 | $13,104 |
These figures turn the debt totals into a monthly repayment picture for Georgia Gwinnett College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Georgia Gwinnett College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 503 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $9,500 |
| Middle income | $8,250 |
| High income | $8,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,000 |
| Continuing-generation students | $9,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,101 |
| Independent students | $12,596 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Georgia Gwinnett College.
The Difference Between 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?
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.