by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Neosho County Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Neosho County Community College, 16% of new students use loans toward freshman-year expenses, with a typical loan of $4,532 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $4,359, representing 79.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Neosho County Community College, 17% borrow through federal student loan programs, borrowing on average $4,679 per year. That is 7.3% higher than the freshman federal average of $4,359.
Borrowing the same amount each year would add up to roughly $9,358 after two years and $18,716 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $4,679 |
| Undergraduates with a federal loan | 145 |
| Total federal loans (one year) | $678,426 |
Graduating and withdrawing students at Neosho County Community College carry a median federal debt of $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,500 |
| Students who withdrew | $4,750 |
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 Neosho County Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,900 |
| 25th percentile | $2,891 |
| 75th percentile | $10,668 |
| 90th percentile (highest-debt students) | $17,406 |
How wide this percentile range is tells you how much borrowing varies across students at Neosho County Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Neosho County Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 74 | $10,546 |
| Completed (graduates) | 25 | $9,980 |
| Did not complete | 49 | $11,500 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $118.67/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 Neosho County Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 31 | $6,823 |
| No Stafford loan this year | 43 | $14,712 |
The indicators below describe what the typical debt costs to pay back at Neosho County Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Neosho County Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 324 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $5,998 |
| Middle income | $5,213 |
| High income | $6,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,486 |
| Continuing-generation students | $7,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,977 |
| Independent students | $8,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Neosho County Community College.
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.
Important to Remember
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.