by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Navarro College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Navarro College, 31% of new students use loans toward freshman-year expenses, with a typical loan of $4,938 per borrower, covering both private and federal loans.
Federal loans alone average $4,778, amounting to 86.9% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Navarro College, 30% rely on federal student loans toward their education, averaging $5,540 annually. That amounts to 15.9% higher than the first-year federal average of $4,778.
Repeating that yearly amount projects to about $11,080 across two years and $22,160 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $5,540 |
| Undergraduates with a federal loan | 1,186 |
| Total federal loans (one year) | $6,570,369 |
The median student at Navarro College borrows $7,926 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,926 |
| Students who completed (graduates) | $11,000 |
| Students who withdrew | $6,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Navarro College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,218 |
| 75th percentile | $13,750 |
| 90th percentile (highest-debt students) | $23,648 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Navarro College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Navarro College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 361 | $10,000 |
| Completed (graduates) | 92 | $12,797 |
| Did not complete | 269 | $9,630 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $152.17/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 Navarro College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 194 | $8,329 |
| No Stafford loan this year | 167 | $11,897 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Navarro 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 federal two-year cohort default rate for Navarro College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.2% |
| Borrowers in the cohort | 2388 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,250 |
| Middle income | $6,380 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,013 |
| Continuing-generation students | $7,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Navarro 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.
Worth Knowing
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.