by our College Data Analytics TeamThis page focuses on the debt students take on to attend Spartanburg 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 Spartanburg Community College, 4% of incoming students take out a loan to help cover first-year costs, at roughly $3,659 per borrower, covering both private and federal loans.
The typical federal loan comes to $3,528, which is 64.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Spartanburg Community College, 5% borrow through federal student loan programs, at an average of $3,330 per year. This works out to 5.6% below the $3,528 typical freshmen borrow.
Repeating that yearly amount projects to about $6,660 by year two and around $13,320 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 5% |
| Average federal loan per year | $3,330 |
| Undergraduates with a federal loan | 275 |
| Total federal loans (one year) | $915,827 |
The middle borrower at Spartanburg Community College owes $5,143 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,143 |
| Students who completed (graduates) | $6,500 |
| Students who withdrew | $4,750 |
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 Spartanburg Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,166 |
| 25th percentile | $1,750 |
| 75th percentile | $5,000 |
| 90th percentile (highest-debt students) | $8,521 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Spartanburg Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Spartanburg Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 294 | $11,676 |
| Completed (graduates) | 44 | $9,606 |
| Did not complete | 250 | $12,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $114.23/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Spartanburg Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 68 | $8,250 |
| No Stafford loan this year | 226 | $12,158 |
These figures turn the debt totals into a monthly repayment picture for Spartanburg Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Spartanburg Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.8% |
| Borrowers in the cohort | 770 |
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 | $5,500 |
| Middle income | $4,800 |
| High income | $3,673 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,015 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,667 |
| Independent students | $6,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Spartanburg Community College.
Subsidized vs. 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.
Did You Know?
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.