by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Saint Johns River State College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at St. Johns River Community College, 11% of new students use loans toward freshman-year expenses, borrowing on average $5,720 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,559. 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.
Among all degree-seeking undergrads at St. Johns River Community College, 12% finance part of their studies with federal loans, borrowing on average $6,463 a year. It comes to 16.3% higher than the first-year federal average of $5,559.
Repeating that yearly amount projects to about $12,926 after two years and $25,852 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 12% |
| Average federal loan per year | $6,463 |
| Undergraduates with a federal loan | 479 |
| Total federal loans (one year) | $3,095,615 |
The median student at St. Johns River Community College borrows $8,323 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,323 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $6,334 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for St. Johns River Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,668 |
| 75th percentile | $17,250 |
| 90th percentile (highest-debt students) | $29,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at St. Johns River Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for St. Johns River Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 194 | $11,336 |
| Completed (graduates) | 49 | $10,081 |
| Did not complete | 145 | $11,475 |
On a standard 10-year plan, the median completing borrower would pay about $119.87/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 St. Johns River Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 47 | $9,022 |
| No Stafford loan this year | 147 | $11,742 |
The indicators below describe what the typical debt costs to pay back at St. Johns River Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for St. Johns River Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.7% |
| Borrowers in the cohort | 839 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,175 |
| Middle income | $7,500 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,000 |
| Continuing-generation students | $6,713 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,106 |
Federal data publishes the following gap measures for St. Johns River 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.
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.