by our College Data Analytics TeamThis page focuses on the debt students take on to attend Jefferson Community and Technical College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Jefferson Community and Technical College, 9% of new students use loans toward freshman-year expenses, at roughly $4,467 each, across private and federal loan sources.
The typical federal loan comes to $4,467, representing 81.2% 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.
Among all degree-seeking undergrads at Jefferson Community and Technical College, 16% borrow through federal student loan programs, at an average of $5,296 per year. This works out to 18.6% more than the freshman federal average of $4,467.
Repeating that yearly amount projects to about $10,592 after two years and $21,184 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 16% |
| Average federal loan per year | $5,296 |
| Undergraduates with a federal loan | 1,115 |
| Total federal loans (one year) | $5,904,593 |
The median student at Jefferson Community and Technical College borrows $6,989 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,989 |
| Students who completed (graduates) | $11,651 |
| 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.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Jefferson Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,179 |
| 75th percentile | $14,543 |
| 90th percentile (highest-debt students) | $24,895 |
How wide this percentile range is tells you how much borrowing varies across students at Jefferson Community and Technical 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 Jefferson Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 873 | $10,000 |
| Completed (graduates) | 230 | $8,862 |
| Did not complete | 643 | $10,466 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $105.38/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 Jefferson Community and Technical College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 854 | $10,000 |
| No Stafford loan | 19 | $10,185 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 292 | $8,000 |
| No Stafford loan this year | 581 | $11,597 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Jefferson Community and Technical College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Jefferson Community and Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.1% |
| Borrowers in the cohort | 2934 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,555 |
| Middle income | $6,500 |
| High income | $5,996 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $6,663 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,811 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Jefferson Community and Technical 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.
Important to Remember
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.