by our College Data Analytics TeamThis page focuses on the debt students take on to attend Stautzenberger College-Rockford Career College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Stautzenberger College - Rockford Career College, 82% of new students use loans toward freshman-year expenses, averaging $10,066 per borrower, covering both private and federal loans.
On the federal side, the average loan is $9,609. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Stautzenberger College - Rockford Career College, 87% take out federal student loans, at an average of $9,024 in federal loans per year. This is 6.1% under the $9,609 typical freshmen borrow.
Repeating that yearly amount projects to about $18,048 after two years and $36,096 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 87% |
| Average federal loan per year | $9,024 |
| Undergraduates with a federal loan | 636 |
| Total federal loans (one year) | $5,739,393 |
Graduating and withdrawing students at Stautzenberger College - Rockford Career College carry a median federal debt of $13,127 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,127 |
| Students who completed (graduates) | $14,302 |
| Students who withdrew | $7,125 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Stautzenberger College - Rockford Career College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $21,375 |
| 90th percentile (highest-debt students) | $31,243 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Stautzenberger College - Rockford Career College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Stautzenberger College - Rockford Career College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 269 | $9,587 |
| Completed (graduates) | 155 | $11,411 |
| Did not complete | 114 | $6,917 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $135.69/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Stautzenberger College - Rockford Career College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 251 | — |
| No Stafford loan this year | 18 | — |
The indicators below describe what the typical debt costs to pay back at Stautzenberger College - Rockford Career 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 Stautzenberger College - Rockford Career College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 820 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 | $13,160 |
| Middle income | $13,000 |
| High income | $12,076 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,000 |
| Continuing-generation students | $13,367 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,028 |
| Independent students | $13,438 |
Federal data publishes the following gap measures for Stautzenberger College - Rockford Career College.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.