by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Hopkinsville Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Hopkinsville Community College, 9% of incoming undergraduates borrow in year one, for an average of $5,091 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,091, representing 92.6% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 Hopkinsville Community College, 18% finance part of their studies with federal loans, at an average of $5,924 per year. That is 16.4% above the first-year federal average of $5,091.
Carrying that yearly figure forward comes to roughly $11,848 in two years and roughly $23,696 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 | 18% |
| Average federal loan per year | $5,924 |
| Undergraduates with a federal loan | 276 |
| Total federal loans (one year) | $1,635,074 |
The middle borrower at Hopkinsville Community College owes $6,999 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,999 |
| Students who completed (graduates) | $10,691 |
| Students who withdrew | $5,879 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Hopkinsville Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,089 |
| 75th percentile | $13,550 |
| 90th percentile (highest-debt students) | $22,737 |
How wide this percentile range is tells you how much borrowing varies across students at Hopkinsville Community College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Hopkinsville Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 127 | $9,892 |
| Completed (graduates) | 30 | $6,679 |
| Did not complete | 97 | $11,879 |
On a standard 10-year plan, the median completing borrower would pay about $79.42/mo.
Federal data lets us separate Stafford borrowers from the rest at Hopkinsville Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 31 | $8,626 |
| No Stafford loan this year | 96 | $10,311 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Hopkinsville Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Hopkinsville Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.1% |
| Borrowers in the cohort | 515 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $7,994 |
| Middle income | $7,000 |
| High income | $5,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $6,350 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,339 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Hopkinsville 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.
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.