by our College Data Analytics TeamHere you will find what students actually borrow to attend Pueblo Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Pueblo Community College, 28% of freshmen borrow to help pay for their first year, averaging $4,247 per student, private and federal loans combined.
Federal loans alone average $4,247, or about 77.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Pueblo Community College, freshmen included, 34% finance part of their studies with federal loans, with a mean of $4,454 per year. That is 4.9% above the $4,247 borrowed by freshmen.
At a steady annual pace, that totals around $8,908 across two years and $17,816 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 34% |
| Average federal loan per year | $4,454 |
| Undergraduates with a federal loan | 1,115 |
| Total federal loans (one year) | $4,965,969 |
The median student at Pueblo Community College borrows $5,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,750 |
| Students who completed (graduates) | $10,000 |
| Students who withdrew | $4,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Pueblo Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,147 |
| 75th percentile | $12,448 |
| 90th percentile (highest-debt students) | $22,250 |
How wide this percentile range is tells you how much borrowing varies across students at Pueblo Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Pueblo Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 302 | $10,045 |
| Completed (graduates) | 83 | $10,993 |
| Did not complete | 219 | $9,654 |
On a standard 10-year plan, the median completing borrower would pay about $130.72/mo.
Federal data lets us separate Stafford borrowers from the rest at Pueblo Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 292 | — |
| No Stafford loan | 10 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 151 | $9,275 |
| No Stafford loan this year | 151 | $11,500 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pueblo Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Pueblo Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 24.5% |
| Borrowers in the cohort | 1740 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,962 |
| Middle income | $6,250 |
| High income | $5,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,845 |
| Continuing-generation students | $5,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,250 |
| Independent students | $6,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pueblo Community College.
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.
Important to Remember
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.