by our College Data Analytics TeamThis page focuses on the debt students take on to attend Coastal Alabama Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Coastal Alabama Community College specifically, 82% of first-year students take on loan debt, at roughly $2,001 per student, private and federal loans combined.
The average federal loan is $1,965, which is 35.7% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Coastal Alabama Community College (freshmen included), 71% borrow through federal student loan programs, at an average of $2,894 in federal loans per year. This is 47.3% greater than the $1,965 freshmen take on.
Carrying that yearly figure forward comes to roughly $5,788 by year two and around $11,576 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $2,894 |
| Undergraduates with a federal loan | 3,354 |
| Total federal loans (one year) | $9,705,992 |
The median student at Coastal Alabama Community College borrows $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $11,000 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Coastal Alabama Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,039 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $16,998 |
How wide this percentile range is tells you how much borrowing varies across students at Coastal Alabama Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Coastal Alabama Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 450 | $9,902 |
| Completed (graduates) | 79 | $9,000 |
| Did not complete | 371 | $10,000 |
On a standard 10-year plan, the median completing borrower would pay about $107.02/mo.
Federal data lets us separate Stafford borrowers from the rest at Coastal Alabama Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 431 | $9,842 |
| No Stafford loan | 19 | $10,698 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 283 | $9,000 |
| No Stafford loan this year | 167 | $12,000 |
These figures turn the debt totals into a monthly repayment picture for Coastal Alabama Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Coastal Alabama Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 1010 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,746 |
| Middle income | $6,261 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Coastal Alabama 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.
Did You Know?
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.