by our College Data Analytics TeamBelow is federal data on the loans students use to pay for River Valley Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at NH Community Technical College - Claremont, 41% of freshmen borrow to help pay for their first year, for an average of $6,111 per borrower, covering both private and federal loans.
The average federally funded loan is $6,111. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at NH Community Technical College - Claremont, 46% finance part of their studies with federal loans, with a mean of $7,154 in federal loans per year. This is 17.1% more than the first-year federal average of $6,111.
Borrowing the same amount each year would add up to roughly $14,308 across two years and $28,616 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $7,154 |
| Undergraduates with a federal loan | 277 |
| Total federal loans (one year) | $1,981,628 |
Graduating and withdrawing students at NH Community Technical College - Claremont carry a median federal debt of $10,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,000 |
| Students who completed (graduates) | $16,226 |
| Students who withdrew | $8,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for NH Community Technical College - Claremont.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,649 |
| 25th percentile | $4,529 |
| 75th percentile | $19,000 |
| 90th percentile (highest-debt students) | $29,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at NH Community Technical College - Claremont.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for NH Community Technical College - Claremont.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 86 | $16,295 |
| Completed (graduates) | 29 | $25,340 |
| Did not complete | 57 | $13,979 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $301.32/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at NH Community Technical College - Claremont.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 38 | $19,408 |
| No Stafford loan this year | 48 | $14,989 |
Repayment burden translates the debt figures into what a borrower actually pays each month. NH Community Technical College - Claremont.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for NH Community Technical College - Claremont follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.0% |
| Borrowers in the cohort | 275 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $11,375 |
| Middle income | $9,500 |
| High income | $8,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,000 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,750 |
| Independent students | $12,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at NH Community Technical College - Claremont.
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.
Did You Know?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.