by our College Data Analytics TeamThis page focuses on the debt students take on to attend Luna Community College: 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.
For incoming students at Luna Community College, 6% of incoming students take out a loan to help cover first-year costs, for an average of $4,176 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,176, representing 75.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Luna Community College, 3% borrow through federal student loan programs, borrowing on average $2,901 per year. This is 30.5% less than the $4,176 freshmen take on.
At a steady annual pace, that totals around $5,802 across two years and $11,604 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 3% |
| Average federal loan per year | $2,901 |
| Undergraduates with a federal loan | 16 |
| Total federal loans (one year) | $46,416 |
The middle borrower at Luna Community College owes $3,855 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,855 |
| Students who withdrew | $3,550 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Luna Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $975 |
| 25th percentile | $2,500 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $9,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Luna Community College.
These figures turn the debt totals into a monthly repayment picture for Luna 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 Luna Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.1% |
| Borrowers in the cohort | 92 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $3,623 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $5,486 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Luna Community College.
Subsidized vs. 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.
Did You Know?
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.