by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kirtland Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Kirtland Community College, 30% of incoming undergraduates borrow in year one, averaging $4,913 per borrower, covering both private and federal loans.
On the federal side, the average loan is $4,777, or about 86.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Kirtland Community College, 38% use federal student loans to help pay for their education, with a mean of $7,320 per year. This is 53.2% larger than the $4,777 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $14,640 by year two and around $29,280 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $7,320 |
| Undergraduates with a federal loan | 362 |
| Total federal loans (one year) | $2,649,893 |
Graduating and withdrawing students at Kirtland Community College carry a median federal debt of $7,043 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,043 |
| Students who completed (graduates) | $13,067 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Kirtland Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $14,000 |
| 90th percentile (highest-debt students) | $21,750 |
How wide this percentile range is tells you how much borrowing varies across students at Kirtland Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kirtland Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 76 | $9,000 |
| Completed (graduates) | 40 | $9,000 |
| Did not complete | 36 | $9,097 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $107.02/mo.
Federal data lets us separate Stafford borrowers from the rest at Kirtland Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 41 | $8,236 |
| No Stafford loan this year | 35 | $11,934 |
These figures turn the debt totals into a monthly repayment picture for Kirtland Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Kirtland Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.6% |
| Borrowers in the cohort | 418 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,250 |
| Middle income | $7,388 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,401 |
| Continuing-generation students | $6,333 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Kirtland Community College.
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.
Important to Remember
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.