by our College Data Analytics TeamThis page focuses on the debt students take on to attend PC AGE - Jersey City, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at PC AGE - Jersey City, 52% of incoming students take out a loan to help cover first-year costs, with a typical loan of $8,542 each — a figure that counts both private and federal student loans.
Federal loans alone average $8,542. That sits at or beyond the $5,500 first-year federal limit for a 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.
Among all degree-seeking undergrads at PC AGE - Jersey City, 49% finance part of their studies with federal loans, averaging $8,918 each per year. That is 4.4% more than the freshman federal average of $8,542.
Repeating that yearly amount projects to about $17,836 after two years and $35,672 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 | 49% |
| Average federal loan per year | $8,918 |
| Undergraduates with a federal loan | 145 |
| Total federal loans (one year) | $1,293,130 |
The median student at PC AGE - Jersey City borrows $11,618 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,618 |
| Students who completed (graduates) | $12,966 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at PC AGE - Jersey City.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $5,500 |
| 75th percentile | $13,000 |
| 90th percentile (highest-debt students) | $13,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at PC AGE - Jersey City.
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 PC AGE - Jersey City.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 74 | $9,178 |
These figures turn the debt totals into a monthly repayment picture for PC AGE - Jersey City.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for PC AGE - Jersey City is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 158 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $11,666 |
| Middle income | $11,698 |
| High income | $8,232 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,915 |
| Continuing-generation students | $12,950 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,632 |
| Independent students | $12,950 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at PC AGE - Jersey City.
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.
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.