by our College Data Analytics TeamThis page focuses on the debt students take on to attend Brightpoint Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at John Tyler Community College, 5% of new students use loans toward freshman-year expenses, averaging $4,511 per student, private and federal loans combined.
The average federally funded loan is $4,340, which is 78.9% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at John Tyler Community College (freshmen included), 5% rely on federal student loans toward their education, with a mean of $5,443 annually. This is 25.4% larger than the freshman federal average of $4,340.
Borrowing at that rate every year works out to about $10,886 over two years and about $21,772 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 5% |
| Average federal loan per year | $5,443 |
| Undergraduates with a federal loan | 296 |
| Total federal loans (one year) | $1,611,147 |
Graduating and withdrawing students at John Tyler Community College carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,500 |
| 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for John Tyler Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $10,409 |
| 90th percentile (highest-debt students) | $19,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at John Tyler Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for John Tyler Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 842 | $14,388 |
| Completed (graduates) | 170 | $13,880 |
| Did not complete | 672 | $14,571 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $165.05/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at John Tyler Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 803 | $14,612 |
| No Stafford loan | 39 | $9,630 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 153 | $13,189 |
| No Stafford loan this year | 689 | $14,928 |
Repayment burden translates the debt figures into what a borrower actually pays each month. John Tyler Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for John Tyler Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.3% |
| Borrowers in the cohort | 747 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,400 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,649 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at John Tyler Community College.
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.
Worth Knowing
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.