by our College Data Analytics TeamHere you will find what students actually borrow to attend Miller-Motte College-Macon, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At MMC Macon specifically, 92% of incoming students take out a loan to help cover first-year costs, averaging $7,753 each — a figure that counts both private and federal student loans.
The average federally funded loan is $7,753. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at MMC Macon, freshmen included, 88% finance part of their studies with federal loans, borrowing on average $8,867 annually. This is 14.4% greater than the $7,753 freshmen take on.
Borrowing the same amount each year would add up to roughly $17,734 across two years and $35,468 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 88% |
| Average federal loan per year | $8,867 |
| Undergraduates with a federal loan | 273 |
| Total federal loans (one year) | $2,420,780 |
The median student at MMC Macon borrows $10,661 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,661 |
| Students who completed (graduates) | $15,917 |
| Students who withdrew | $6,334 |
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 MMC Macon.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,530 |
| 25th percentile | $6,333 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $16,500 |
How wide this percentile range is tells you how much borrowing varies across students at MMC Macon.
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 MMC Macon.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1418 | $5,198 |
| Completed (graduates) | 847 | $6,007 |
| Did not complete | 571 | $4,120 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $71.43/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at MMC Macon.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1404 | — |
| No Stafford loan | 14 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1271 | $5,093 |
| No Stafford loan this year | 147 | $6,500 |
These figures turn the debt totals into a monthly repayment picture for MMC Macon.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for MMC Macon follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 1420 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,657 |
| Middle income | $11,457 |
| High income | $9,111 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,587 |
| Continuing-generation students | $12,139 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,500 |
| Independent students | $11,943 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at MMC Macon.
The Difference Between Subsidized and 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.