by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Nashville State Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Nashville State Community College, 10% of first-year students take on loan debt, averaging $6,632 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,406, amounting to 80.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Nashville State Community College, freshmen included, 8% borrow through federal student loan programs, for a typical $4,815 each per year. This is 9.3% larger than the freshman federal average of $4,406.
Borrowing the same amount each year would add up to roughly $9,630 in two years and roughly $19,260 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 8% |
| Average federal loan per year | $4,815 |
| Undergraduates with a federal loan | 385 |
| Total federal loans (one year) | $1,853,653 |
The middle borrower at Nashville State Community College owes $6,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $9,595 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Nashville State Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,923 |
| 25th percentile | $3,500 |
| 75th percentile | $14,250 |
| 90th percentile (highest-debt students) | $25,598 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Nashville State 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 Nashville State Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 529 | $12,750 |
| Completed (graduates) | 93 | $11,898 |
| Did not complete | 436 | $12,799 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $141.48/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Nashville State Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 508 | $12,691 |
| No Stafford loan | 21 | $14,000 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 116 | $8,329 |
| No Stafford loan this year | 413 | $15,000 |
These figures turn the debt totals into a monthly repayment picture for Nashville State Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Nashville State Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.7% |
| Borrowers in the cohort | 1762 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
| Middle income | $5,500 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,630 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,340 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Nashville State Community College.
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.