by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Rockland County BOCES-Practical Nursing Program— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Rockland County BOCES-Practical Nursing Program, 100% of incoming undergraduates borrow in year one, for an average of $5,058 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $4,191, or about 76.2% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Rockland County BOCES-Practical Nursing Program, 100% use federal student loans to help pay for their education, averaging $6,412 a year. That amounts to 53.0% larger than the first-year federal average of $4,191.
Borrowing at that rate every year works out to about $12,824 across two years and $25,648 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 100% |
| Average federal loan per year | $6,412 |
| Undergraduates with a federal loan | 29 |
| Total federal loans (one year) | $185,936 |
The median student at Rockland County BOCES-Practical Nursing Program borrows $6,820 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,820 |
| Students who completed (graduates) | $8,756 |
| Students who withdrew | $3,845 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Rockland County BOCES-Practical Nursing Program.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,400 |
| 75th percentile | $10,161 |
The indicators below describe what the typical debt costs to pay back at Rockland County BOCES-Practical Nursing Program.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Rockland County BOCES-Practical Nursing Program is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.7% |
| Borrowers in the cohort | 57 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,279 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rockland County BOCES-Practical Nursing Program.
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.
Did You Know?
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.