by our College Data Analytics TeamHere you will find what students actually borrow to attend Jones County Junior College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Jones County Junior College, 9% of incoming students take out a loan to help cover first-year costs, averaging $5,322 each, across private and federal loan sources.
On the federal side, the average loan is $4,788, equal to roughly 87.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Jones County Junior College, 11% borrow through federal student loan programs, at an average of $5,092 each per year. It comes to 6.3% larger than the $4,788 freshmen take on.
Carrying that yearly figure forward comes to roughly $10,184 after two years and $20,368 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $5,092 |
| Undergraduates with a federal loan | 343 |
| Total federal loans (one year) | $1,746,697 |
The median student at Jones County Junior College borrows $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,291 |
| Students who withdrew | $5,005 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Jones County Junior College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,340 |
| 25th percentile | $2,500 |
| 75th percentile | $7,500 |
| 90th percentile (highest-debt students) | $11,314 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Jones County Junior College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Jones County Junior College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 206 | $8,776 |
| Completed (graduates) | 39 | $6,249 |
| Did not complete | 167 | $9,281 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $74.31/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Jones County Junior College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 69 | $6,570 |
| No Stafford loan this year | 137 | $10,000 |
The indicators below describe what the typical debt costs to pay back at Jones County Junior College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Jones County Junior College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 780 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,277 |
| Middle income | $5,500 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,302 |
| Independent students | $7,350 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Jones County Junior College.
The Difference Between 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.
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.