by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Professional Golfers Career College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At PGCC, 29% of incoming undergraduates borrow in year one, borrowing on average $10,983 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,949. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at PGCC, 39% take out federal student loans, with a mean of $7,095 in federal loans per year. This is 2.1% more than the $6,949 freshmen take on.
At a steady annual pace, that totals around $14,190 over two years and about $28,380 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $7,095 |
| Undergraduates with a federal loan | 43 |
| Total federal loans (one year) | $305,066 |
Graduating and withdrawing students at PGCC carry a median federal debt of $8,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,000 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $5,250 |
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 PGCC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $8,000 |
| 75th percentile | $20,000 |
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for PGCC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $34,762 |
The indicators below describe what the typical debt costs to pay back at PGCC.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for PGCC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.0% |
| Borrowers in the cohort | 241 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,310 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,875 |
| Independent students | $8,000 |
Federal data publishes the following gap measures for PGCC.
Subsidized vs. 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.