by our College Data Analytics TeamThis page focuses on the debt students take on to attend J Sargeant Reynolds Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Reynolds Community College specifically, 6% of first-year students take on loan debt, at roughly $5,589 per borrower, covering both private and federal loans.
The average federally funded loan is $5,488, amounting to 99.8% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Reynolds Community College (freshmen included), 7% borrow through federal student loan programs, with a mean of $5,847 in federal loans per year. It comes to 6.5% higher than the freshman federal average of $5,488.
Borrowing the same amount each year would add up to roughly $11,694 over two years and about $23,388 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 7% |
| Average federal loan per year | $5,847 |
| Undergraduates with a federal loan | 351 |
| Total federal loans (one year) | $2,052,223 |
Graduating and withdrawing students at Reynolds Community College carry a median federal debt of $8,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,000 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $7,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Reynolds Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $16,000 |
| 90th percentile (highest-debt students) | $29,429 |
How wide this percentile range is tells you how much borrowing varies across students at Reynolds Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Reynolds Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 902 | $15,000 |
| Completed (graduates) | 112 | $12,000 |
| Did not complete | 790 | $15,443 |
On a standard 10-year plan, the median completing borrower would pay about $142.69/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Reynolds Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 867 | $15,251 |
| No Stafford loan | 35 | $8,800 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 136 | $11,319 |
| No Stafford loan this year | 766 | $15,723 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Reynolds Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Reynolds Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.4% |
| Borrowers in the cohort | 1116 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $6,700 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $7,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $10,000 |
Federal data publishes the following gap measures for Reynolds Community College.
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.