by our College Data Analytics TeamThis page focuses on the debt students take on to attend John Wood Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At John Wood Community College, 16% of freshmen borrow to help pay for their first year, averaging $4,458 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,458, amounting to 81.1% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at John Wood Community College, 16% take out federal student loans, averaging $4,964 per year. This is 11.4% greater than the $4,458 freshmen take on.
Borrowing at that rate every year works out to about $9,928 over two years and about $19,856 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 | 16% |
| Average federal loan per year | $4,964 |
| Undergraduates with a federal loan | 225 |
| Total federal loans (one year) | $1,116,920 |
Graduating and withdrawing students at John Wood Community College carry a median federal debt of $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,029 |
| Students who withdrew | $4,946 |
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 Wood Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,112 |
| 25th percentile | $2,438 |
| 75th percentile | $9,283 |
| 90th percentile (highest-debt students) | $15,000 |
How wide this percentile range is tells you how much borrowing varies across students at John Wood Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for John Wood Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 156 | $12,454 |
| Completed (graduates) | 49 | $9,148 |
| Did not complete | 107 | $14,000 |
On a standard 10-year plan, the median completing borrower would pay about $108.78/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at John Wood Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 64 | $7,863 |
| No Stafford loan this year | 92 | $15,652 |
These figures turn the debt totals into a monthly repayment picture for John Wood 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 Wood Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 565 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,976 |
| Middle income | $5,984 |
| High income | $5,905 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,499 |
| Independent students | $7,484 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at John Wood Community College.
The Difference Between 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.
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.