by our College Data Analytics TeamThis page focuses on the debt students take on to attend Northern Wyoming Community College District, 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 Northern Wyoming Community College District, 25% of new students use loans toward freshman-year expenses, borrowing on average $4,510 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,237, or about 77.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Northern Wyoming Community College District, 25% rely on federal student loans toward their education, averaging $5,503 per year. This works out to 29.9% larger than the first-year federal average of $4,237.
Carrying that yearly figure forward comes to roughly $11,006 in two years and roughly $22,012 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $5,503 |
| Undergraduates with a federal loan | 396 |
| Total federal loans (one year) | $2,179,294 |
The middle borrower at Northern Wyoming Community College District owes $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,622 |
| Students who withdrew | $4,834 |
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 Northern Wyoming Community College District.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,967 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $14,881 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Northern Wyoming Community College District.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Northern Wyoming Community College District.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 104 | $8,725 |
| Completed (graduates) | 24 | $7,264 |
| Did not complete | 80 | $9,676 |
On a standard 10-year plan, the median completing borrower would pay about $86.38/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Northern Wyoming Community College District.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 43 | $7,529 |
| No Stafford loan this year | 61 | $10,838 |
The indicators below describe what the typical debt costs to pay back at Northern Wyoming Community College District.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Northern Wyoming Community College District follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.5% |
| Borrowers in the cohort | 316 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,760 |
| Middle income | $6,268 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,200 |
| Independent students | $7,024 |
Federal data publishes the following gap measures for Northern Wyoming Community College District.
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?
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.