by our College Data Analytics TeamHere you will find what students actually borrow to attend Roane State Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Roane State Community College, 2% of freshmen borrow to help pay for their first year, averaging $5,654 per borrower, covering both private and federal loans.
The average federal loan is $5,654. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Roane State Community College, freshmen included, 5% rely on federal student loans toward their education, borrowing on average $5,702 annually. This works out to 0.8% above the $5,654 typical freshmen borrow.
At a steady annual pace, that totals around $11,404 by year two and around $22,808 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 | 5% |
| Average federal loan per year | $5,702 |
| Undergraduates with a federal loan | 172 |
| Total federal loans (one year) | $980,717 |
Graduating and withdrawing students at Roane State Community College carry a median federal debt of $6,426 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,426 |
| Students who completed (graduates) | $8,454 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Roane State Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,810 |
| 25th percentile | $3,255 |
| 75th percentile | $12,474 |
| 90th percentile (highest-debt students) | $20,848 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Roane State Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Roane State Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 141 | $10,170 |
| Completed (graduates) | 45 | $11,567 |
| Did not complete | 96 | $10,073 |
On a standard 10-year plan, the median completing borrower would pay about $137.54/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Roane State Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 36 | $11,914 |
| No Stafford loan this year | 105 | $10,000 |
The indicators below describe what the typical debt costs to pay back at Roane State Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Roane State Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 842 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $6,636 |
| Middle income | $6,728 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $5,565 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,904 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Roane State Community College.
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.
Worth Knowing
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.