by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Hawkeye 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.
Looking at the entering class at Hawkeye Community College, 41% of incoming undergraduates borrow in year one, with a typical loan of $5,252 per student, private and federal loans combined.
On the federal side, the average loan is $4,859, which is 88.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Hawkeye Community College, 44% rely on federal student loans toward their education, averaging $5,684 per year. That is 17.0% larger than the freshman federal average of $4,859.
Carrying that yearly figure forward comes to roughly $11,368 over two years and about $22,736 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $5,684 |
| Undergraduates with a federal loan | 1,102 |
| Total federal loans (one year) | $6,263,906 |
The median student at Hawkeye Community College borrows $8,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,750 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,742 |
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 Hawkeye Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,050 |
| 25th percentile | $3,814 |
| 75th percentile | $13,750 |
| 90th percentile (highest-debt students) | $22,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Hawkeye Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Hawkeye Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 403 | $10,464 |
| Completed (graduates) | 108 | $7,870 |
| Did not complete | 295 | $11,634 |
On a standard 10-year plan, the median completing borrower would pay about $93.58/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Hawkeye Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 225 | $9,159 |
| No Stafford loan this year | 178 | $12,794 |
The indicators below describe what the typical debt costs to pay back at Hawkeye Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Hawkeye Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.1% |
| Borrowers in the cohort | 2398 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $8,250 |
| High income | $8,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,993 |
| Continuing-generation students | $8,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,333 |
| Independent students | $11,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Hawkeye Community College.
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.
Important to Remember
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.