by our College Data Analytics TeamHere you will find what students actually borrow to attend Middlesex Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Middlesex Community College, 14% of incoming undergraduates borrow in year one, with a typical loan of $4,831 per borrower, covering both private and federal loans.
The average federal loan is $4,812, or about 87.5% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at Middlesex Community College (freshmen included), 9% rely on federal student loans toward their education, averaging $5,045 annually. That amounts to 4.8% above the $4,812 typical freshmen borrow.
At a steady annual pace, that totals around $10,090 after two years and $20,180 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 9% |
| Average federal loan per year | $5,045 |
| Undergraduates with a federal loan | 438 |
| Total federal loans (one year) | $2,209,598 |
The middle borrower at Middlesex Community College owes $5,187 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,187 |
| Students who completed (graduates) | $7,291 |
| Students who withdrew | $4,382 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Middlesex Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $949 |
| 25th percentile | $1,800 |
| 75th percentile | $7,050 |
| 90th percentile (highest-debt students) | $12,300 |
How wide this percentile range is tells you how much borrowing varies across students at Middlesex Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Middlesex Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 562 | $15,000 |
| Completed (graduates) | 115 | $14,000 |
| Did not complete | 447 | $15,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $166.47/mo.
Federal data lets us separate Stafford borrowers from the rest at Middlesex Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 547 | — |
| No Stafford loan | 15 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 164 | $9,899 |
| No Stafford loan this year | 398 | $16,460 |
The indicators below describe what the typical debt costs to pay back at Middlesex Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Middlesex Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 1016 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
| Middle income | $4,850 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,950 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,349 |
| Independent students | $4,650 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Middlesex 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.
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.