by our College Data Analytics TeamHere you will find what students actually borrow to attend John A Logan College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At John A Logan College, 1% of incoming undergraduates borrow in year one, borrowing on average $10,521 each — a figure that counts both private and federal student loans.
Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
The median student at John A Logan College borrows $3,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for John A Logan College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,000 |
| 25th percentile | $1,700 |
| 75th percentile | $3,500 |
| 90th percentile (highest-debt students) | $4,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at John A Logan 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 John A Logan College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 162 | $11,100 |
| Completed (graduates) | 32 | $13,086 |
| Did not complete | 130 | $10,202 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $155.61/mo.
These figures turn the debt totals into a monthly repayment picture for John A Logan 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 John A Logan College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.2% |
| Borrowers in the cohort | 401 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $3,500 |
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.
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.