by our College Data Analytics TeamThis page focuses on the debt students take on to attend Saint Louis 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 Saint Louis Community College, 3% of incoming students take out a loan to help cover first-year costs, borrowing on average $2,806 each, across private and federal loan sources.
On the federal side, the average loan is $2,806, representing 51.0% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Saint Louis Community College (freshmen included), 6% take out federal student loans, borrowing on average $3,792 per year. That amounts to 35.1% greater than the first-year federal average of $2,806.
Borrowing the same amount each year would add up to roughly $7,584 over two years and about $15,168 across a four-year program. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $3,792 |
| Undergraduates with a federal loan | 666 |
| Total federal loans (one year) | $2,525,766 |
The median student at Saint Louis Community College borrows $3,839 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,839 |
| Students who completed (graduates) | $6,725 |
| Students who withdrew | $3,500 |
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 Saint Louis Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,200 |
| 25th percentile | $2,000 |
| 75th percentile | $7,673 |
| 90th percentile (highest-debt students) | $14,253 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Saint Louis Community College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Saint Louis Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1463 | $11,500 |
| Completed (graduates) | 262 | $10,165 |
| Did not complete | 1201 | $11,800 |
On a standard 10-year plan, the median completing borrower would pay about $120.87/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 Saint Louis Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1407 | $11,760 |
| No Stafford loan | 56 | $8,574 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 236 | $9,287 |
| No Stafford loan this year | 1227 | $11,969 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Saint Louis 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 Saint Louis Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.5% |
| Borrowers in the cohort | 1561 |
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 | $4,500 |
| Middle income | $3,550 |
| High income | $3,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,000 |
| Continuing-generation students | $3,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $5,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Saint Louis Community College.
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.
Important to Remember
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.