by our College Data Analytics TeamHere you will find what students actually borrow to attend Gwinnett 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 Gwinnett College - Raleigh Camppus specifically, 65% of first-year students take on loan debt, for an average of $8,133 per student, private and federal loans combined.
On the federal side, the average loan is $8,133. This is at or above the $5,500 first-year federal borrowing cap that applies to 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.
Across the full undergraduate body at Gwinnett College - Raleigh Camppus (freshmen included), 83% finance part of their studies with federal loans, borrowing on average $8,928 per year. This is 9.8% larger than the freshman federal average of $8,133.
Borrowing the same amount each year would add up to roughly $17,856 after two years and $35,712 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 83% |
| Average federal loan per year | $8,928 |
| Undergraduates with a federal loan | 161 |
| Total federal loans (one year) | $1,437,387 |
The median student at Gwinnett College - Raleigh Camppus borrows $7,917 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,917 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $6,547 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Gwinnett College - Raleigh Camppus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,167 |
| 25th percentile | $6,334 |
| 75th percentile | $12,667 |
| 90th percentile (highest-debt students) | $15,143 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Gwinnett College - Raleigh Camppus.
The indicators below describe what the typical debt costs to pay back at Gwinnett College - Raleigh Camppus.
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 Gwinnett College - Raleigh Camppus is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.8% |
| Borrowers in the cohort | 155 |
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 | $7,917 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,917 |
| Continuing-generation students | $7,917 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,219 |
| Independent students | $7,917 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Gwinnett College - Raleigh Camppus.
Subsidized vs. 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.
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.