by our College Data Analytics TeamThis page focuses on the debt students take on to attend North Shore 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.
Among first-year students at North Shore Community College, 14% of incoming undergraduates borrow in year one, borrowing on average $4,159 each — a figure that counts both private and federal student loans.
The average federal loan is $3,871, representing 70.4% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Across the full undergraduate body at North Shore Community College (freshmen included), 14% finance part of their studies with federal loans, with a mean of $4,536 a year. It comes to 17.2% higher than the $3,871 freshmen take on.
At a steady annual pace, that totals around $9,072 over two years and about $18,144 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 | 14% |
| Average federal loan per year | $4,536 |
| Undergraduates with a federal loan | 504 |
| Total federal loans (one year) | $2,286,365 |
Graduating and withdrawing students at North Shore Community College carry a median federal debt of $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,000 |
| Students who withdrew | $4,617 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for North Shore Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,250 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $17,559 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at North Shore Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for North Shore Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 452 | $14,040 |
| Completed (graduates) | 89 | $11,450 |
| Did not complete | 363 | $14,705 |
On a standard 10-year plan, the median completing borrower would pay about $136.15/mo.
Federal data lets us separate Stafford borrowers from the rest at North Shore Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 436 | — |
| No Stafford loan | 16 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 186 | $14,420 |
| No Stafford loan this year | 266 | $13,855 |
Repayment burden translates the debt figures into what a borrower actually pays each month. North Shore Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for North Shore Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.1% |
| Borrowers in the cohort | 770 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,750 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,408 |
| Independent students | $6,330 |
Federal data publishes the following gap measures for North Shore Community College.
The Difference Between 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
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.