by our College Data Analytics TeamHere you will find what students actually borrow to attend South Florida State College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at South Florida State College, 4% of first-year students take on loan debt, for an average of $4,363 each — a figure that counts both private and federal student loans.
The average federal loan is $4,363, or about 79.3% of the typical first-year dependent student borrowing cap of $5,500. 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 South Florida State College, 7% rely on federal student loans toward their education, averaging $4,988 in federal loans per year. This works out to 14.3% higher than the freshman federal average of $4,363.
Borrowing at that rate every year works out to about $9,976 over two years and about $19,952 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 7% |
| Average federal loan per year | $4,988 |
| Undergraduates with a federal loan | 142 |
| Total federal loans (one year) | $708,323 |
The middle borrower at South Florida State College owes $5,387 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,387 |
| Students who completed (graduates) | $7,368 |
| Students who withdrew | $4,795 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for South Florida State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,625 |
| 75th percentile | $8,242 |
| 90th percentile (highest-debt students) | $13,635 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at South Florida State 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 South Florida State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 91 | $8,036 |
| Completed (graduates) | 22 | $9,497 |
| Did not complete | 69 | $7,719 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $112.93/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at South Florida State College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 13 | — |
| No Stafford loan this year | 78 | — |
These figures turn the debt totals into a monthly repayment picture for South Florida State 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 South Florida State College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.6% |
| Borrowers in the cohort | 146 |
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 | $5,555 |
| Middle income | $5,495 |
| High income | $4,897 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,334 |
| Continuing-generation students | $5,439 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,000 |
| Independent students | $6,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at South Florida State 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
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.