by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pitt Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at Pitt Community College, 10% of first-year students take on loan debt, borrowing on average $6,019 per student, private and federal loans combined.
The typical federal loan comes to $5,844. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Pitt Community College, 15% use federal student loans to help pay for their education, averaging $6,959 annually. This is 19.1% above the $5,844 freshmen take on.
Borrowing the same amount each year would add up to roughly $13,918 by year two and around $27,836 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 15% |
| Average federal loan per year | $6,959 |
| Undergraduates with a federal loan | 799 |
| Total federal loans (one year) | $5,560,360 |
Graduating and withdrawing students at Pitt Community College carry a median federal debt of $8,250 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,250 |
| Students who completed (graduates) | $11,977 |
| Students who withdrew | $6,500 |
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 Pitt Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,069 |
| 25th percentile | $3,750 |
| 75th percentile | $16,500 |
| 90th percentile (highest-debt students) | $30,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Pitt 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 Pitt Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 848 | $13,682 |
| Completed (graduates) | 116 | $14,027 |
| Did not complete | 732 | $13,665 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $166.8/mo.
Federal data lets us separate Stafford borrowers from the rest at Pitt Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 813 | $13,750 |
| No Stafford loan | 35 | $13,049 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 173 | $9,677 |
| No Stafford loan this year | 675 | $14,339 |
The indicators below describe what the typical debt costs to pay back at Pitt Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Pitt Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.5% |
| Borrowers in the cohort | 991 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $6,000 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,366 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,285 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pitt Community College.
The Difference Between 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.