by our College Data Analytics TeamThis page focuses on the debt students take on to attend Lane Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at Lane Community College, 16% of first-year students take on loan debt, with a typical loan of $2,297 each, across private and federal loan sources.
Federal loans alone average $1,795, which is 32.6% 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.
For undergraduates overall at Lane Community College, 19% finance part of their studies with federal loans, at an average of $1,800 a year. That amounts to 0.3% larger than the $1,795 freshmen take on.
Carrying that yearly figure forward comes to roughly $3,600 after two years and $7,200 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 19% |
| Average federal loan per year | $1,800 |
| Undergraduates with a federal loan | 1,102 |
| Total federal loans (one year) | $1,983,857 |
Graduating and withdrawing students at Lane Community College carry a median federal debt of $6,450 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,450 |
| Students who completed (graduates) | $14,761 |
| Students who withdrew | $5,839 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Lane Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,500 |
| 75th percentile | $15,500 |
| 90th percentile (highest-debt students) | $27,248 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Lane 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 Lane Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 616 | $20,000 |
| Completed (graduates) | 47 | $16,865 |
| Did not complete | 569 | $20,086 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $200.54/mo.
Federal data lets us separate Stafford borrowers from the rest at Lane Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 580 | $19,413 |
| No Stafford loan | 36 | $27,657 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 284 | $15,000 |
| No Stafford loan this year | 332 | $22,983 |
These figures turn the debt totals into a monthly repayment picture for Lane Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Lane Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.6% |
| Borrowers in the cohort | 3980 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,000 |
| Middle income | $5,734 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,572 |
| Continuing-generation students | $5,997 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Lane 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.
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.