by our College Data Analytics TeamHere you will find what students actually borrow to attend Kellogg Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At Kellogg Community College specifically, 7% of freshmen borrow to help pay for their first year, with a typical loan of $4,270 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,270, representing 77.6% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Kellogg Community College, freshmen included, 33% finance part of their studies with federal loans, for a typical $3,478 per year. That amounts to 18.5% below the first-year federal average of $4,270.
Borrowing at that rate every year works out to about $6,956 in two years and roughly $13,912 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 33% |
| Average federal loan per year | $3,478 |
| Undergraduates with a federal loan | 917 |
| Total federal loans (one year) | $3,189,340 |
The middle borrower at Kellogg Community College owes $10,258 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,258 |
| Students who completed (graduates) | $17,000 |
| Students who withdrew | $9,375 |
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 Kellogg Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $3,794 |
| 75th percentile | $17,500 |
| 90th percentile (highest-debt students) | $28,377 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Kellogg Community College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Kellogg Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 232 | $12,827 |
| Completed (graduates) | 53 | $10,323 |
| Did not complete | 179 | $13,386 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $122.75/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 Kellogg Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 78 | $11,470 |
| No Stafford loan this year | 154 | $13,363 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Kellogg 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 federal two-year cohort default rate for Kellogg Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.1% |
| Borrowers in the cohort | 1381 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,431 |
| Middle income | $10,432 |
| High income | $9,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $9,299 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,247 |
| Independent students | $11,745 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Kellogg 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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.