by our College Data Analytics TeamThis page focuses on the debt students take on to attend Hutchinson Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Hutchinson Community College specifically, 19% of incoming students take out a loan to help cover first-year costs, with a typical loan of $4,955 per student, private and federal loans combined.
The average federal loan is $4,955, representing 90.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Hutchinson Community College, 21% borrow through federal student loan programs, with a mean of $5,688 in federal loans per year. This is 14.8% larger than the $4,955 freshmen take on.
Carrying that yearly figure forward comes to roughly $11,376 over two years and about $22,752 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $5,688 |
| Undergraduates with a federal loan | 608 |
| Total federal loans (one year) | $3,458,328 |
The middle borrower at Hutchinson Community College owes $6,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $9,773 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Hutchinson Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $17,675 |
How wide this percentile range is tells you how much borrowing varies across students at Hutchinson 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 Hutchinson Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 402 | $10,543 |
| Completed (graduates) | 85 | $8,544 |
| Did not complete | 317 | $11,270 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $101.6/mo.
Federal data lets us separate Stafford borrowers from the rest at Hutchinson Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 118 | $7,768 |
| No Stafford loan this year | 284 | $12,250 |
The indicators below describe what the typical debt costs to pay back at Hutchinson Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Hutchinson Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.2% |
| Borrowers in the cohort | 941 |
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 | $6,918 |
| Middle income | $6,742 |
| High income | $6,078 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $6,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Hutchinson Community College.
Subsidized and 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.