by our College Data Analytics TeamThis page focuses on the debt students take on to attend Keystone College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Keystone College specifically, 86% of incoming students take out a loan to help cover first-year costs, with a typical loan of $7,357 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $6,050. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Keystone College, 90% take out federal student loans, at an average of $7,470 in federal loans per year. That is 23.5% more than the $6,050 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $14,940 across two years and $29,880 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 90% |
| Average federal loan per year | $7,470 |
| Undergraduates with a federal loan | 861 |
| Total federal loans (one year) | $6,431,521 |
The median student at Keystone College borrows $16,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,250 |
| Students who completed (graduates) | $26,000 |
| Students who withdrew | $8,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Keystone College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,250 |
| 75th percentile | $29,250 |
| 90th percentile (highest-debt students) | $40,669 |
How wide this percentile range is tells you how much borrowing varies across students at Keystone 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 Keystone College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 369 | $15,947 |
| Completed (graduates) | 166 | $25,158 |
| Did not complete | 203 | $12,986 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $299.16/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Keystone College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 343 | $16,000 |
| No Stafford loan this year | 26 | $13,142 |
These figures turn the debt totals into a monthly repayment picture for Keystone 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 official Department of Education two-year default rate for Keystone College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.9% |
| Borrowers in the cohort | 620 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $15,950 |
| High income | $17,799 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,922 |
| Continuing-generation students | $16,875 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,125 |
| Independent students | $20,915 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Keystone College.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.