by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kishwaukee College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Kishwaukee College, 8% of first-year students take on loan debt, for an average of $5,506 each, across private and federal loan sources.
Federal loans alone average $5,627. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Kishwaukee College, 11% take out federal student loans, averaging $5,977 per year. That amounts to 6.2% larger than the freshman federal average of $5,627.
At a steady annual pace, that totals around $11,954 over two years and about $23,908 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 11% |
| Average federal loan per year | $5,977 |
| Undergraduates with a federal loan | 196 |
| Total federal loans (one year) | $1,171,456 |
The median student at Kishwaukee College borrows $6,542 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,542 |
| Students who completed (graduates) | $9,395 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Kishwaukee College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,562 |
| 25th percentile | $2,750 |
| 75th percentile | $10,250 |
| 90th percentile (highest-debt students) | $19,500 |
How wide this percentile range is tells you how much borrowing varies across students at Kishwaukee College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kishwaukee College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 258 | $14,515 |
| Completed (graduates) | 47 | $12,865 |
| Did not complete | 211 | $14,687 |
On a standard 10-year plan, the median completing borrower would pay about $152.98/mo.
Federal data lets us separate Stafford borrowers from the rest at Kishwaukee College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 49 | $10,978 |
| No Stafford loan this year | 209 | $15,325 |
The indicators below describe what the typical debt costs to pay back at Kishwaukee College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Kishwaukee College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.8% |
| Borrowers in the cohort | 549 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $7,477 |
| Middle income | $8,125 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Kishwaukee 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.
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.