by our College Data Analytics TeamHere you will find what students actually borrow to attend CUNY Stella and Charles Guttman Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Guttman specifically, 2% of first-year students take on loan debt, at roughly $5,627 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,627. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Guttman, 2% use federal student loans to help pay for their education, borrowing on average $4,964 each per year. This is 11.8% smaller than the $5,627 freshmen take on.
At a steady annual pace, that totals around $9,928 over two years and about $19,856 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 2% |
| Average federal loan per year | $4,964 |
| Undergraduates with a federal loan | 25 |
| Total federal loans (one year) | $124,089 |
The middle borrower at Guttman owes $5,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,000 |
| Students who completed (graduates) | $6,500 |
| Students who withdrew | $4,500 |
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 Guttman.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $1,902 |
| 75th percentile | $8,228 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Guttman.
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 |
|---|---|
| Middle income | $4,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Guttman.
The Difference Between Subsidized and 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.
Worth Knowing
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.