by our College Data Analytics TeamThis page focuses on the debt students take on to attend State Fair Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at State Fair Community College, 13% of first-year students take on loan debt, with a typical loan of $5,285 each, across private and federal loan sources.
The typical federal loan comes to $4,648, representing 84.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at State Fair Community College, 17% rely on federal student loans toward their education, with a mean of $5,540 per year. That amounts to 19.2% above the $4,648 freshmen take on.
Borrowing at that rate every year works out to about $11,080 by year two and around $22,160 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $5,540 |
| Undergraduates with a federal loan | 424 |
| Total federal loans (one year) | $2,349,084 |
The middle borrower at State Fair Community College owes $6,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,783 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at State Fair Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,625 |
| 25th percentile | $3,000 |
| 75th percentile | $13,347 |
| 90th percentile (highest-debt students) | $21,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at State Fair 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 State Fair Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 162 | $8,064 |
| Completed (graduates) | 50 | $7,773 |
| Did not complete | 112 | $8,164 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $92.43/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at State Fair Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 73 | $6,780 |
| No Stafford loan this year | 89 | $9,429 |
Repayment burden translates the debt figures into what a borrower actually pays each month. State Fair 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. Two-year cohort default-rate data for State Fair Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.0% |
| Borrowers in the cohort | 1120 |
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 | $7,878 |
| Middle income | $6,250 |
| High income | $6,375 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,875 |
| Continuing-generation students | $6,261 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,517 |
Federal data publishes the following gap measures for State Fair 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.
Worth Knowing
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.