by our College Data Analytics TeamHere you will find what students actually borrow to attend Pensacola State College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Pensacola State, 7% of first-year students take on loan debt, with a typical loan of $4,851 per borrower, covering both private and federal loans.
The average federally funded loan is $4,851, amounting to 88.2% of the $5,500 cap on first-year federal borrowing for the 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.
Looking at all undergraduates at Pensacola State, freshmen included, 10% borrow through federal student loan programs, averaging $6,006 a year. It comes to 23.8% higher than the $4,851 freshmen take on.
Carrying that yearly figure forward comes to roughly $12,012 in two years and roughly $24,024 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $6,006 |
| Undergraduates with a federal loan | 704 |
| Total federal loans (one year) | $4,228,040 |
The middle borrower at Pensacola State owes $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,500 |
| Students who withdrew | $4,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Pensacola State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,312 |
| 25th percentile | $1,750 |
| 75th percentile | $5,250 |
| 90th percentile (highest-debt students) | $8,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Pensacola State.
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 Pensacola State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 377 | $11,000 |
| Completed (graduates) | 115 | $11,526 |
| Did not complete | 262 | $10,311 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $137.06/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 Pensacola State.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 357 | $11,020 |
| No Stafford loan | 20 | $8,226 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 71 | $12,564 |
| No Stafford loan this year | 306 | $10,311 |
The indicators below describe what the typical debt costs to pay back at Pensacola State.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Pensacola State appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 529 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $5,500 |
| Middle income | $5,250 |
| High income | $5,250 |
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 | $4,500 |
| Independent students | $6,330 |
Federal data publishes the following gap measures for Pensacola State.
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.
Did You Know?
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.