by our College Data Analytics TeamHere you will find what students actually borrow to attend Jefferson Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Jefferson Community College specifically, 34% of incoming students take out a loan to help cover first-year costs, averaging $5,345 each, across private and federal loan sources.
On the federal side, the average loan is $5,026, or about 91.4% 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.
For undergraduates overall at Jefferson Community College, 33% take out federal student loans, with a mean of $5,819 a year. It comes to 15.8% larger than the $5,026 typical freshmen borrow.
Borrowing at that rate every year works out to about $11,638 across two years and $23,276 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 33% |
| Average federal loan per year | $5,819 |
| Undergraduates with a federal loan | 501 |
| Total federal loans (one year) | $2,915,275 |
Graduating and withdrawing students at Jefferson Community College carry a median federal debt of $7,685 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,685 |
| Students who completed (graduates) | $12,000 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Jefferson Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,950 |
| 75th percentile | $11,198 |
| 90th percentile (highest-debt students) | $17,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Jefferson Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Jefferson Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 246 | $9,861 |
| Completed (graduates) | 57 | $9,800 |
| Did not complete | 189 | $9,915 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $116.53/mo.
Federal data lets us separate Stafford borrowers from the rest at Jefferson Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 167 | $9,000 |
| No Stafford loan this year | 79 | $12,630 |
These figures turn the debt totals into a monthly repayment picture for Jefferson 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 Jefferson Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.5% |
| Borrowers in the cohort | 758 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,250 |
| Middle income | $8,042 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,097 |
| Continuing-generation students | $6,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,245 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Jefferson 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.
Important to Remember
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.