by our College Data Analytics TeamHere you will find what students actually borrow to attend Motlow State Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Motlow, 0% of freshmen borrow to help pay for their first year.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
Graduating and withdrawing students at Motlow carry a median federal debt of $3,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,000 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Motlow.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,001 |
| 25th percentile | $1,750 |
| 75th percentile | $3,500 |
| 90th percentile (highest-debt students) | $7,000 |
How wide this percentile range is tells you how much borrowing varies across students at Motlow.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Motlow.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 197 | $9,000 |
| Completed (graduates) | 47 | $8,606 |
| Did not complete | 150 | $9,806 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $102.33/mo.
These figures turn the debt totals into a monthly repayment picture for Motlow.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Motlow appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.4% |
| Borrowers in the cohort | 531 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
| Middle income | $2,412 |
| High income | $3,063 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $2,796 |
| Independent students | $3,394 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Motlow.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.