by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Hinds Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Hinds Community College, 28% of incoming students take out a loan to help cover first-year costs, borrowing on average $4,960 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,960, or about 90.2% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Hinds Community College (freshmen included), 48% use federal student loans to help pay for their education, for a typical $4,484 each per year. It comes to 9.6% under the freshman federal average of $4,960.
Borrowing at that rate every year works out to about $8,968 over two years and about $17,936 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 48% |
| Average federal loan per year | $4,484 |
| Undergraduates with a federal loan | 3,122 |
| Total federal loans (one year) | $13,997,556 |
The median student at Hinds Community College borrows $5,951 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,951 |
| Students who completed (graduates) | $9,371 |
| Students who withdrew | $5,462 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Hinds Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,345 |
| 25th percentile | $2,314 |
| 75th percentile | $8,157 |
| 90th percentile (highest-debt students) | $14,025 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Hinds Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Hinds Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 637 | $9,000 |
| Completed (graduates) | 170 | $9,335 |
| Did not complete | 467 | $8,972 |
On a standard 10-year plan, the median completing borrower would pay about $111.0/mo.
Federal data lets us separate Stafford borrowers from the rest at Hinds Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 623 | — |
| No Stafford loan | 14 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 360 | $7,397 |
| No Stafford loan this year | 277 | $10,712 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Hinds Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Hinds Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.7% |
| Borrowers in the cohort | 4236 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $5,953 |
| Middle income | $5,816 |
| High income | $6,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,884 |
| Continuing-generation students | $6,227 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,463 |
| Independent students | $9,199 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Hinds Community College.
The Difference Between Subsidized and 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
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.