by our College Data Analytics TeamHere you will find what students actually borrow to attend Rowan-Cabarrus Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Looking at the entering class at Rowan-Cabarrus Community College, 1% of freshmen borrow to help pay for their first year, with a typical loan of $9,500 each — a figure that counts both private and federal student loans.
Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Undergraduates with a federal loan | 0 |
| Total federal loans (one year) | $0 |
The middle borrower at Rowan-Cabarrus Community College owes $8,457 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,457 |
| Students who completed (graduates) | $9,458 |
| Students who withdrew | $7,968 |
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 Rowan-Cabarrus Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,675 |
| 75th percentile | $13,200 |
| 90th percentile (highest-debt students) | $19,000 |
How wide this percentile range is tells you how much borrowing varies across students at Rowan-Cabarrus Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Rowan-Cabarrus Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 394 | $10,045 |
| Completed (graduates) | 85 | $9,423 |
| Did not complete | 309 | $10,432 |
On a standard 10-year plan, the median completing borrower would pay about $112.05/mo.
Federal data lets us separate Stafford borrowers from the rest at Rowan-Cabarrus Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 376 | — |
| No Stafford loan | 18 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 18 | — |
| No Stafford loan this year | 376 | — |
The indicators below describe what the typical debt costs to pay back at Rowan-Cabarrus Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Rowan-Cabarrus Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,408 |
| Middle income | $8,211 |
| High income | $3,670 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,008 |
| Continuing-generation students | $8,250 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,048 |
| Independent students | $9,503 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Rowan-Cabarrus Community College.
The Difference Between 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.
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.