by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Germanna Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Germanna Community College specifically, 6% of incoming undergraduates borrow in year one, borrowing on average $4,897 each — a figure that counts both private and federal student loans.
The average federal loan is $4,897, amounting to 89.0% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Germanna Community College, freshmen included, 6% borrow through federal student loan programs, with a mean of $5,566 a year. That amounts to 13.7% higher than the freshman federal average of $4,897.
Borrowing the same amount each year would add up to roughly $11,132 in two years and roughly $22,264 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $5,566 |
| Undergraduates with a federal loan | 322 |
| Total federal loans (one year) | $1,792,236 |
The median student at Germanna Community College borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,400 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Germanna Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,100 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $19,596 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Germanna Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Germanna Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 483 | $15,595 |
| Completed (graduates) | 114 | $14,864 |
| Did not complete | 369 | $15,903 |
On a standard 10-year plan, the median completing borrower would pay about $176.75/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Germanna Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 452 | $16,303 |
| No Stafford loan | 31 | $9,447 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 80 | $18,474 |
| No Stafford loan this year | 403 | $15,121 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Germanna Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Germanna Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 9 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,500 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,791 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,493 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Germanna Community College.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.