by our College Data Analytics TeamThis page focuses on the debt students take on to attend John A Gupton College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at John A Gupton College, 25% of new students use loans toward freshman-year expenses, with a typical loan of $4,682 per student, private and federal loans combined.
The average federal loan is $4,682, amounting to 85.1% 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.
Counting every undergraduate at John A Gupton College, 36% use federal student loans to help pay for their education, at an average of $4,744 per year. That is 1.3% greater than the first-year federal average of $4,682.
Carrying that yearly figure forward comes to roughly $9,488 across two years and $18,976 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $4,744 |
| Undergraduates with a federal loan | 57 |
| Total federal loans (one year) | $270,389 |
The middle borrower at John A Gupton College owes $5,999 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,999 |
| Students who completed (graduates) | $12,610 |
| Students who withdrew | $4,211 |
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 John A Gupton College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $7,215 |
| 75th percentile | $13,254 |
The indicators below describe what the typical debt costs to pay back at John A Gupton 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 John A Gupton College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.6% |
| Borrowers in the cohort | 60 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Middle income | $5,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $9,000 |
Federal data publishes the following gap measures for John A Gupton College.
The Difference Between 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.
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.