by our College Data Analytics TeamThis page focuses on the debt students take on to attend John C Calhoun State Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Calhoun Community College specifically, 21% of freshmen borrow to help pay for their first year, for an average of $4,804 each, across private and federal loan sources.
The typical federal loan comes to $4,722, equal to roughly 85.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Calhoun Community College, 23% take out federal student loans, borrowing on average $5,670 each per year. This works out to 20.1% above the freshman federal average of $4,722.
Carrying that yearly figure forward comes to roughly $11,340 over two years and about $22,680 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $5,670 |
| Undergraduates with a federal loan | 1,562 |
| Total federal loans (one year) | $8,856,147 |
Graduating and withdrawing students at Calhoun Community College carry a median federal debt of $6,010 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,010 |
| Students who completed (graduates) | $12,000 |
| 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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Calhoun Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,799 |
| 75th percentile | $11,140 |
| 90th percentile (highest-debt students) | $19,326 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Calhoun Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Calhoun Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 652 | $13,997 |
| Completed (graduates) | 67 | $13,561 |
| Did not complete | 585 | $14,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $161.25/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Calhoun Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 635 | — |
| No Stafford loan | 17 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 218 | $9,470 |
| No Stafford loan this year | 434 | $17,895 |
These figures turn the debt totals into a monthly repayment picture for Calhoun Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Calhoun Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.6% |
| Borrowers in the cohort | 1647 |
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 | $6,126 |
| Middle income | $5,500 |
| High income | $6,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,001 |
| Continuing-generation students | $6,188 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,000 |
Federal data publishes the following gap measures for Calhoun Community College.
Subsidized and 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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.