by our College Data Analytics TeamThis page focuses on the debt students take on to attend Huntington Junior College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Huntington Junior College, 86% of incoming students take out a loan to help cover first-year costs, with a typical loan of $8,400 each, across private and federal loan sources.
On the federal side, the average loan is $8,400. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Huntington Junior College, freshmen included, 75% borrow through federal student loan programs, averaging $8,394 per year. That is 0.1% under the $8,400 freshmen take on.
At a steady annual pace, that totals around $16,788 after two years and $33,576 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 75% |
| Average federal loan per year | $8,394 |
| Undergraduates with a federal loan | 157 |
| Total federal loans (one year) | $1,317,794 |
The median student at Huntington Junior College borrows $17,321 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,321 |
| Students who completed (graduates) | $21,604 |
| Students who withdrew | $12,063 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Huntington Junior College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,866 |
| 25th percentile | $5,234 |
| 75th percentile | $20,831 |
| 90th percentile (highest-debt students) | $26,836 |
How wide this percentile range is tells you how much borrowing varies across students at Huntington Junior College.
Repayment burden translates the debt figures into what a borrower actually pays each month. Huntington Junior College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Huntington Junior College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.4% |
| Borrowers in the cohort | 672 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $17,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,690 |
| Continuing-generation students | $13,809 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,605 |
| Independent students | $18,154 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Huntington Junior 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.
Important to Remember
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.