by our College Data Analytics TeamThis page focuses on the debt students take on to attend Klamath Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Klamath Community College, 31% of incoming undergraduates borrow in year one, with a typical loan of $5,914 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,836. This reaches or tops the $5,500 first-year federal borrowing cap 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.
For undergraduates overall at Klamath Community College, 37% rely on federal student loans toward their education, at an average of $6,213 annually. It comes to 6.5% larger than the $5,836 freshmen take on.
Carrying that yearly figure forward comes to roughly $12,426 after two years and $24,852 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 | 37% |
| Average federal loan per year | $6,213 |
| Undergraduates with a federal loan | 384 |
| Total federal loans (one year) | $2,385,633 |
The middle borrower at Klamath Community College owes $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $17,480 |
| Students who withdrew | $7,300 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Klamath Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,832 |
| 25th percentile | $3,167 |
| 75th percentile | $14,524 |
| 90th percentile (highest-debt students) | $22,911 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Klamath 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 Klamath Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 55 | $12,092 |
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 Klamath Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 26 | $11,606 |
| No Stafford loan this year | 29 | $12,844 |
These figures turn the debt totals into a monthly repayment picture for Klamath Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Klamath Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 22.1% |
| Borrowers in the cohort | 570 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,743 |
| Middle income | $9,458 |
| High income | $6,833 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,423 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,657 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Klamath 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.
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.