by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kennebec Valley Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Kennebec Valley Community College, 10% of new students use loans toward freshman-year expenses, at roughly $5,883 each, across private and federal loan sources.
Federal loans alone average $5,883. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Kennebec Valley Community College, 20% borrow through federal student loan programs, averaging $6,861 each per year. This works out to 16.6% greater than the freshman federal average of $5,883.
Carrying that yearly figure forward comes to roughly $13,722 in two years and roughly $27,444 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 | 20% |
| Average federal loan per year | $6,861 |
| Undergraduates with a federal loan | 309 |
| Total federal loans (one year) | $2,120,029 |
The median student at Kennebec Valley Community College borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,255 |
| Students who withdrew | $7,749 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Kennebec Valley Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,336 |
| 25th percentile | $3,606 |
| 75th percentile | $15,250 |
| 90th percentile (highest-debt students) | $22,030 |
How wide this percentile range is tells you how much borrowing varies across students at Kennebec Valley Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kennebec Valley Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 105 | $8,996 |
| Completed (graduates) | 45 | $8,967 |
| Did not complete | 60 | $9,678 |
On a standard 10-year plan, the median completing borrower would pay about $106.63/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Kennebec Valley Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 57 | $8,000 |
| No Stafford loan this year | 48 | $11,011 |
The indicators below describe what the typical debt costs to pay back at Kennebec Valley Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Kennebec Valley Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.3% |
| Borrowers in the cohort | 414 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,500 |
| Middle income | $9,235 |
| High income | $7,671 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $8,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,001 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Kennebec Valley Community College.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.