by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pellissippi State 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.
Looking at the entering class at Pellissippi State Community College, 2% of incoming undergraduates borrow in year one, averaging $6,067 per student, private and federal loans combined.
Federal loans alone average $4,728, which is 86.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Pellissippi State Community College, 4% rely on federal student loans toward their education, at an average of $5,417 each per year. It comes to 14.6% larger than the $4,728 borrowed by freshmen.
Borrowing at that rate every year works out to about $10,834 in two years and roughly $21,668 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $5,417 |
| Undergraduates with a federal loan | 235 |
| Total federal loans (one year) | $1,273,017 |
The middle borrower at Pellissippi State Community College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,725 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Pellissippi State Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,625 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $19,477 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Pellissippi State 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 Pellissippi State Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 698 | $16,503 |
| Completed (graduates) | 107 | $12,000 |
| Did not complete | 591 | $17,700 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $142.69/mo.
Federal data lets us separate Stafford borrowers from the rest at Pellissippi State Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 658 | $17,404 |
| No Stafford loan | 40 | $9,301 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 133 | $12,000 |
| No Stafford loan this year | 565 | $18,584 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pellissippi State Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Pellissippi State Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 1926 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,750 |
| Middle income | $5,500 |
| High income | $5,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,710 |
| Independent students | $8,782 |
Federal data publishes the following gap measures for Pellissippi State Community College.
Subsidized vs. 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.
Did You Know?
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.