by our College Data Analytics TeamHere you will find what students actually borrow to attend Mississippi Gulf Coast Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Mississippi Gulf Coast Community College, 18% of first-year students take on loan debt, for an average of $4,838 per borrower, covering both private and federal loans.
Federal loans alone average $4,768, representing 86.7% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Mississippi Gulf Coast Community College (freshmen included), 22% borrow through federal student loan programs, averaging $5,771 annually. That amounts to 21.0% higher than the $4,768 typical freshmen borrow.
At a steady annual pace, that totals around $11,542 by year two and around $23,084 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 22% |
| Average federal loan per year | $5,771 |
| Undergraduates with a federal loan | 1,393 |
| Total federal loans (one year) | $8,039,220 |
The median student at Mississippi Gulf Coast Community College borrows $6,625 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,625 |
| Students who completed (graduates) | $10,000 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Mississippi Gulf Coast Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Mississippi Gulf Coast Community College.
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 Mississippi Gulf Coast Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 473 | $11,000 |
| Completed (graduates) | 94 | $10,012 |
| Did not complete | 379 | $11,246 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $119.05/mo.
Federal data lets us separate Stafford borrowers from the rest at Mississippi Gulf Coast Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 451 | $11,082 |
| No Stafford loan | 22 | $8,435 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 162 | $9,663 |
| No Stafford loan this year | 311 | $11,744 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Mississippi Gulf Coast Community College.
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 Mississippi Gulf Coast Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.0% |
| Borrowers in the cohort | 1030 |
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 | $7,155 |
| Middle income | $5,950 |
| High income | $6,597 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $5,945 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Mississippi Gulf Coast 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.
Did You Know?
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.