by our College Data Analytics TeamThis page focuses on the debt students take on to attend Johnston Community 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 Johnston Community College, 0% of incoming undergraduates borrow in year one, at roughly $3,000 per borrower, covering both private and federal loans.
Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
The middle borrower at Johnston Community College owes $6,045 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,045 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Johnston Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,970 |
| 25th percentile | $3,000 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $20,312 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Johnston Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Johnston Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 189 | $13,126 |
| Completed (graduates) | 45 | $14,500 |
| Did not complete | 144 | $12,978 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $172.42/mo.
These figures turn the debt totals into a monthly repayment picture for Johnston Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Johnston Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 275 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,818 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,000 |
| Independent students | $7,974 |
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
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.