by our College Data Analytics TeamHere you will find what students actually borrow to attend Nassau Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Nassau Community College, 21% of incoming students take out a loan to help cover first-year costs, for an average of $5,376 per borrower, covering both private and federal loans.
Federal loans alone average $5,204, equal to roughly 94.6% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Nassau Community College, 19% take out federal student loans, borrowing on average $5,971 a year. This is 14.7% larger than the $5,204 typical freshmen borrow.
Repeating that yearly amount projects to about $11,942 across two years and $23,884 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 19% |
| Average federal loan per year | $5,971 |
| Undergraduates with a federal loan | 2,097 |
| Total federal loans (one year) | $12,522,216 |
Graduating and withdrawing students at Nassau Community College carry a median federal debt of $6,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,000 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Nassau Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,250 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $17,500 |
How wide this percentile range is tells you how much borrowing varies across students at Nassau Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Nassau Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1785 | $19,932 |
| Completed (graduates) | 344 | $17,517 |
| Did not complete | 1441 | $20,040 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $208.3/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 Nassau Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1726 | $19,992 |
| No Stafford loan | 59 | $12,681 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 497 | $15,631 |
| No Stafford loan this year | 1288 | $21,227 |
These figures turn the debt totals into a monthly repayment picture for Nassau Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Nassau Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.0% |
| Borrowers in the cohort | 2091 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,919 |
| Middle income | $5,500 |
| High income | $6,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,965 |
| Continuing-generation students | $6,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Nassau Community College.
The Difference Between Subsidized and 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.
Did You Know?
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.