by our College Data Analytics TeamHere you will find what students actually borrow to attend Rockland Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Rockland Community College, 8% of incoming undergraduates borrow in year one, with a typical loan of $5,505 each, across private and federal loan sources.
The typical federal loan comes to $4,575, amounting to 83.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Rockland Community College, 10% borrow through federal student loan programs, with a mean of $5,126 in federal loans per year. That amounts to 12.0% larger than the $4,575 typical freshmen borrow.
At a steady annual pace, that totals around $10,252 in two years and roughly $20,504 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $5,126 |
| Undergraduates with a federal loan | 400 |
| Total federal loans (one year) | $2,050,448 |
The middle borrower at Rockland Community College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,497 |
| Students who withdrew | $5,500 |
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 Rockland Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,780 |
| 25th percentile | $2,750 |
| 75th percentile | $10,063 |
| 90th percentile (highest-debt students) | $15,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Rockland Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Rockland Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 538 | $17,175 |
| Completed (graduates) | 109 | $14,458 |
| Did not complete | 429 | $18,269 |
On a standard 10-year plan, the median completing borrower would pay about $171.92/mo.
Federal data lets us separate Stafford borrowers from the rest at Rockland Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 524 | — |
| No Stafford loan | 14 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 128 | $12,681 |
| No Stafford loan this year | 410 | $18,952 |
The indicators below describe what the typical debt costs to pay back at Rockland 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 federal two-year cohort default rate for Rockland Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.6% |
| Borrowers in the cohort | 532 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $5,598 |
| High income | $5,850 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,402 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Rockland Community College.
The Difference Between Subsidized and 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
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.