by our College Data Analytics TeamHere you will find what students actually borrow to attend Normandale Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Among first-year students at Normandale Community College, 16% of freshmen borrow to help pay for their first year, borrowing on average $5,491 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,419, which is 98.5% 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.
Across the full undergraduate body at Normandale Community College (freshmen included), 18% rely on federal student loans toward their education, for a typical $6,962 each per year. That is 28.5% more than the $5,419 borrowed by freshmen.
At a steady annual pace, that totals around $13,924 over two years and about $27,848 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 18% |
| Average federal loan per year | $6,962 |
| Undergraduates with a federal loan | 1,077 |
| Total federal loans (one year) | $7,497,693 |
The median student at Normandale Community College borrows $8,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,000 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,689 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Normandale Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $14,250 |
| 90th percentile (highest-debt students) | $24,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Normandale 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 Normandale Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 595 | $14,000 |
| Completed (graduates) | 105 | $13,688 |
| Did not complete | 490 | $14,284 |
On a standard 10-year plan, the median completing borrower would pay about $162.76/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 Normandale Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 585 | — |
| No Stafford loan | 10 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 231 | $11,507 |
| No Stafford loan this year | 364 | $16,500 |
These figures turn the debt totals into a monthly repayment picture for Normandale Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Normandale Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.2% |
| Borrowers in the cohort | 2387 |
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 | $9,000 |
| Middle income | $8,122 |
| High income | $6,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,250 |
| Continuing-generation students | $6,518 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,968 |
| Independent students | $10,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Normandale 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.
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.