by our College Data Analytics TeamThis page focuses on the debt students take on to attend Madisonville 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.
At Madisonville Community College specifically, 11% of incoming students take out a loan to help cover first-year costs, borrowing on average $5,011 each — a figure that counts both private and federal student loans.
The average federal loan is $5,011, equal to roughly 91.1% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Madisonville Community College, 20% take out federal student loans, at an average of $5,633 annually. That amounts to 12.4% higher than the $5,011 freshmen take on.
At a steady annual pace, that totals around $11,266 by year two and around $22,532 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 20% |
| Average federal loan per year | $5,633 |
| Undergraduates with a federal loan | 353 |
| Total federal loans (one year) | $1,988,518 |
The middle borrower at Madisonville Community College owes $5,853 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,853 |
| Students who completed (graduates) | $8,450 |
| Students who withdrew | $5,041 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Madisonville Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,750 |
| 75th percentile | $12,000 |
| 90th percentile (highest-debt students) | $19,422 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Madisonville Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Madisonville Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 160 | $10,234 |
| Completed (graduates) | 66 | $8,562 |
| Did not complete | 94 | $11,268 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $101.81/mo.
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 Madisonville Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 40 | $7,920 |
| No Stafford loan this year | 120 | $11,268 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Madisonville Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Madisonville Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.3% |
| Borrowers in the cohort | 495 |
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 | $6,471 |
| Middle income | $5,250 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,614 |
| Continuing-generation students | $7,464 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,459 |
| Independent students | $6,426 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Madisonville Community 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.