by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Lamar State College-Orange: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Lamar State College - Orange, 12% of freshmen borrow to help pay for their first year, at roughly $6,323 each, across private and federal loan sources.
The average federally funded loan is $6,323. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Lamar State College - Orange, 23% borrow through federal student loan programs, with a mean of $5,944 per year. This is 6.0% smaller than the $6,323 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $11,888 after two years and $23,776 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $5,944 |
| Undergraduates with a federal loan | 327 |
| Total federal loans (one year) | $1,943,576 |
Graduating and withdrawing students at Lamar State College - Orange carry a median federal debt of $8,125 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,125 |
| Students who completed (graduates) | $10,959 |
| Students who withdrew | $6,437 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Lamar State College - Orange.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $14,463 |
| 90th percentile (highest-debt students) | $23,623 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Lamar State College - Orange.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Lamar State College - Orange.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 77 | $7,697 |
| Completed (graduates) | 22 | $6,288 |
| Did not complete | 55 | $7,944 |
On a standard 10-year plan, the median completing borrower would pay about $74.77/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Lamar State College - Orange.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 24 | $4,961 |
| No Stafford loan this year | 53 | $9,700 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Lamar State College - Orange.
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 Lamar State College - Orange follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.6% |
| Borrowers in the cohort | 531 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,550 |
| Middle income | $7,770 |
| High income | $7,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,280 |
| Continuing-generation students | $6,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,219 |
| Independent students | $10,399 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Lamar State College - Orange.
The Difference Between 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.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.