by our College Data Analytics TeamThis page focuses on the debt students take on to attend Rogue 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 Rogue Community College, 9% of incoming undergraduates borrow in year one, averaging $6,364 each, across private and federal loan sources.
The average federal loan is $5,746. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Rogue Community College, 12% rely on federal student loans toward their education, with a mean of $6,778 a year. That is 18.0% above the $5,746 typical freshmen borrow.
At a steady annual pace, that totals around $13,556 across two years and $27,112 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $6,778 |
| Undergraduates with a federal loan | 393 |
| Total federal loans (one year) | $2,663,637 |
The middle borrower at Rogue Community College owes $10,247 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,247 |
| Students who completed (graduates) | $17,042 |
| Students who withdrew | $9,500 |
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 Rogue Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,333 |
| 25th percentile | $3,896 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $31,125 |
How wide this percentile range is tells you how much borrowing varies across students at Rogue Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Rogue Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 208 | $10,090 |
| Completed (graduates) | 32 | $10,255 |
| Did not complete | 176 | $10,090 |
On a standard 10-year plan, the median completing borrower would pay about $121.94/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Rogue Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 48 | $9,487 |
| No Stafford loan this year | 160 | $10,282 |
The indicators below describe what the typical debt costs to pay back at Rogue Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Rogue Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.5% |
| Borrowers in the cohort | 865 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $11,414 |
| Middle income | $9,500 |
| High income | $6,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $9,168 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,500 |
| Independent students | $12,268 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rogue Community College.
Subsidized vs. 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.