by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Massasoit Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Massasoit Community College, 10% of first-year students take on loan debt, with a typical loan of $5,391 per student, private and federal loans combined.
The average federally funded loan is $5,016, amounting to 91.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 Massasoit Community College, 8% finance part of their studies with federal loans, for a typical $5,212 a year. That amounts to 3.9% more than the freshman federal average of $5,016.
Borrowing the same amount each year would add up to roughly $10,424 in two years and roughly $20,848 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 8% |
| Average federal loan per year | $5,212 |
| Undergraduates with a federal loan | 293 |
| Total federal loans (one year) | $1,527,228 |
The median student at Massasoit Community College borrows $5,567 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,567 |
| Students who completed (graduates) | $10,000 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Massasoit Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,463 |
| 25th percentile | $2,750 |
| 75th percentile | $9,246 |
| 90th percentile (highest-debt students) | $14,035 |
How wide this percentile range is tells you how much borrowing varies across students at Massasoit Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Massasoit Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 592 | $15,000 |
| Completed (graduates) | 111 | $13,000 |
| Did not complete | 481 | $16,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $154.58/mo.
Federal data lets us separate Stafford borrowers from the rest at Massasoit Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 574 | — |
| No Stafford loan | 18 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 128 | $11,875 |
| No Stafford loan this year | 464 | $17,420 |
The indicators below describe what the typical debt costs to pay back at Massasoit Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Massasoit Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 645 |
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 | $5,562 |
| Middle income | $5,500 |
| High income | $6,229 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,577 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,589 |
Federal data publishes the following gap measures for Massasoit Community College.
Subsidized vs. 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.