by our College Data Analytics TeamHere you will find what students actually borrow to attend Pierpont Community and Technical 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.
Looking at the entering class at Pierpont Community and Technical College, 20% of incoming students take out a loan to help cover first-year costs, at roughly $4,321 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $4,325, or about 78.6% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. 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 Pierpont Community and Technical College, 28% rely on federal student loans toward their education, for a typical $5,853 per year. That amounts to 35.3% more than the freshman federal average of $4,325.
Carrying that yearly figure forward comes to roughly $11,706 over two years and about $23,412 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 28% |
| Average federal loan per year | $5,853 |
| Undergraduates with a federal loan | 271 |
| Total federal loans (one year) | $1,586,258 |
The median student at Pierpont Community and Technical College borrows $8,618 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,618 |
| Students who completed (graduates) | $12,110 |
| Students who withdrew | $5,773 |
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 Pierpont Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,742 |
| 25th percentile | $4,000 |
| 75th percentile | $13,219 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Pierpont Community and Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Pierpont Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 151 | $7,801 |
| Completed (graduates) | 62 | $10,699 |
| Did not complete | 89 | $6,296 |
On a standard 10-year plan, the median completing borrower would pay about $127.22/mo.
Federal data lets us separate Stafford borrowers from the rest at Pierpont Community and Technical College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 116 | $8,031 |
| No Stafford loan this year | 35 | $7,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pierpont Community and Technical College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Pierpont Community and Technical College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 27.5% |
| Borrowers in the cohort | 914 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,250 |
| Middle income | $8,229 |
| High income | $8,250 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,750 |
| Continuing-generation students | $8,293 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $10,425 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pierpont Community and Technical 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.
Worth Knowing
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.