by our College Data Analytics TeamHere you will find what students actually borrow to attend Moberly Area Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at MACC, 12% of first-year students take on loan debt, averaging $7,110 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $5,354, which is 97.3% 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 MACC, 9% take out federal student loans, for a typical $6,139 per year. This works out to 14.7% more than the freshman federal average of $5,354.
Carrying that yearly figure forward comes to roughly $12,278 in two years and roughly $24,556 by the fourth year. 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 | $6,139 |
| Undergraduates with a federal loan | 274 |
| Total federal loans (one year) | $1,682,208 |
The median student at MACC borrows $8,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,000 |
| Students who completed (graduates) | $10,658 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for MACC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,532 |
| 25th percentile | $3,216 |
| 75th percentile | $12,632 |
| 90th percentile (highest-debt students) | $19,559 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at MACC.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at MACC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 473 | $13,000 |
| Completed (graduates) | 73 | $13,256 |
| Did not complete | 400 | $13,000 |
On a standard 10-year plan, the median completing borrower would pay about $157.63/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at MACC.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 454 | $13,000 |
| No Stafford loan | 19 | $14,232 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 142 | $9,590 |
| No Stafford loan this year | 331 | $15,741 |
Repayment burden translates the debt figures into what a borrower actually pays each month. MACC.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for MACC appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.5% |
| Borrowers in the cohort | 1071 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,435 |
| Middle income | $7,000 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,265 |
| Continuing-generation students | $6,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,542 |
| Independent students | $10,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at MACC.
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?
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.