by our College Data Analytics TeamHere you will find what students actually borrow to attend Jamestown Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Jamestown Community College, 29% of first-year students take on loan debt, at roughly $5,614 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,116, representing 93.0% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Jamestown Community College (freshmen included), 31% take out federal student loans, for a typical $5,734 a year. It comes to 12.1% larger than the freshman federal average of $5,116.
Carrying that yearly figure forward comes to roughly $11,468 in two years and roughly $22,936 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 31% |
| Average federal loan per year | $5,734 |
| Undergraduates with a federal loan | 520 |
| Total federal loans (one year) | $2,981,523 |
The middle borrower at Jamestown Community College owes $6,037 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,037 |
| Students who completed (graduates) | $10,990 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Jamestown Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,867 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $17,239 |
How wide this percentile range is tells you how much borrowing varies across students at Jamestown 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 Jamestown Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 299 | $9,844 |
| Completed (graduates) | 90 | $9,046 |
| Did not complete | 209 | $10,000 |
On a standard 10-year plan, the median completing borrower would pay about $107.57/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Jamestown Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 288 | — |
| No Stafford loan | 11 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 186 | $8,896 |
| No Stafford loan this year | 113 | $12,792 |
The indicators below describe what the typical debt costs to pay back at Jamestown Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Jamestown Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.7% |
| Borrowers in the cohort | 889 |
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 | $6,250 |
| Middle income | $5,903 |
| High income | $5,900 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,450 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Jamestown Community 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.
Worth Knowing
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.