by our College Data Analytics TeamThis page focuses on the debt students take on to attend Kansas City Kansas Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Kansas City Kansas Community College specifically, 10% of first-year students take on loan debt, with a typical loan of $5,439 per student, private and federal loans combined.
On the federal side, the average loan is $5,439, or about 98.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Kansas City Kansas Community College, 10% rely on federal student loans toward their education, borrowing on average $4,867 annually. This works out to 10.5% lower than the freshman federal average of $5,439.
At a steady annual pace, that totals around $9,734 by year two and around $19,468 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $4,867 |
| Undergraduates with a federal loan | 295 |
| Total federal loans (one year) | $1,435,785 |
The median student at Kansas City Kansas Community College borrows $5,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,750 |
| Students who completed (graduates) | $8,793 |
| Students who withdrew | $5,387 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Kansas City Kansas Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,750 |
| 75th percentile | $13,750 |
| 90th percentile (highest-debt students) | $26,132 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Kansas City Kansas Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kansas City Kansas Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 341 | $11,260 |
| Completed (graduates) | 50 | $10,946 |
| Did not complete | 291 | $11,596 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $130.16/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Kansas City Kansas Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 331 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 73 | $9,000 |
| No Stafford loan this year | 268 | $12,881 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Kansas City Kansas Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Kansas City Kansas Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.1% |
| Borrowers in the cohort | 1105 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,000 |
| Middle income | $5,500 |
| High income | $5,040 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,000 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,000 |
| Independent students | $7,550 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Kansas City Kansas 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.