by our College Data Analytics TeamHere you will find what students actually borrow to attend North Country Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At North Country Community College specifically, 32% of freshmen borrow to help pay for their first year, borrowing on average $4,975 per borrower, covering both private and federal loans.
The typical federal loan comes to $4,777, or about 86.9% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at North Country Community College, 41% use federal student loans to help pay for their education, at an average of $5,246 annually. This works out to 9.8% larger than the freshman federal average of $4,777.
Carrying that yearly figure forward comes to roughly $10,492 over two years and about $20,984 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $5,246 |
| Undergraduates with a federal loan | 317 |
| Total federal loans (one year) | $1,662,885 |
Graduating and withdrawing students at North Country Community College carry a median federal debt of $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at North Country Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $14,088 |
| 90th percentile (highest-debt students) | $19,500 |
How wide this percentile range is tells you how much borrowing varies across students at North Country Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for North Country Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 146 | $9,602 |
| Completed (graduates) | 51 | $8,889 |
| Did not complete | 95 | $10,604 |
On a standard 10-year plan, the median completing borrower would pay about $105.7/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 North Country Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 110 | $8,885 |
| No Stafford loan this year | 36 | $13,685 |
These figures turn the debt totals into a monthly repayment picture for North Country 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 federal two-year cohort default rate for North Country Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.6% |
| Borrowers in the cohort | 557 |
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 | $9,500 |
| Middle income | $7,700 |
| High income | $10,218 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,375 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $13,910 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at North Country Community College.
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.
Important to Remember
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.