by our College Data Analytics TeamThis page focuses on the debt students take on to attend James Sprunt Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At JSCC specifically, 0% of new students use loans toward freshman-year expenses.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
Graduating and withdrawing students at JSCC carry a median federal debt of $5,125 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,125 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for JSCC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,527 |
| 25th percentile | $2,182 |
| 75th percentile | $8,545 |
| 90th percentile (highest-debt students) | $12,927 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at JSCC.
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 JSCC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 41 | $9,138 |
Repayment burden translates the debt figures into what a borrower actually pays each month. JSCC.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for JSCC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.7% |
| Borrowers in the cohort | 157 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.