by our College Data Analytics TeamThis page focuses on the debt students take on to attend Quinsigamond Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Quinsigamond Community College, 29% of first-year students take on loan debt, at roughly $5,385 per borrower, covering both private and federal loans.
The average federal loan is $5,251, which is 95.5% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Quinsigamond Community College, 38% take out federal student loans, with a mean of $6,400 a year. That amounts to 21.9% higher than the first-year federal average of $5,251.
Carrying that yearly figure forward comes to roughly $12,800 by year two and around $25,600 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $6,400 |
| Undergraduates with a federal loan | 2,073 |
| Total federal loans (one year) | $13,268,097 |
Graduating and withdrawing students at Quinsigamond Community College carry a median federal debt of $10,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,500 |
| Students who completed (graduates) | $16,575 |
| Students who withdrew | $8,250 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Quinsigamond Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,664 |
| 75th percentile | $14,035 |
| 90th percentile (highest-debt students) | $20,624 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Quinsigamond Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Quinsigamond Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 481 | $15,166 |
| Completed (graduates) | 120 | $14,782 |
| Did not complete | 361 | $15,216 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $175.77/mo.
Federal data lets us separate Stafford borrowers from the rest at Quinsigamond Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 248 | $13,614 |
| No Stafford loan this year | 233 | $18,766 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Quinsigamond Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Quinsigamond Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 1280 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $10,760 |
| Middle income | $10,750 |
| High income | $9,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,712 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,646 |
| Independent students | $13,571 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Quinsigamond Community 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.
Important to Remember
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.