by our College Data Analytics TeamHere you will find what students actually borrow to attend Sullivan County Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At SUNY Sullivan, 22% of incoming students take out a loan to help cover first-year costs, at roughly $4,730 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,532, or about 82.4% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at SUNY Sullivan, 21% borrow through federal student loan programs, with a mean of $5,110 a year. It comes to 12.8% greater than the freshman federal average of $4,532.
Repeating that yearly amount projects to about $10,220 over two years and about $20,440 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $5,110 |
| Undergraduates with a federal loan | 204 |
| Total federal loans (one year) | $1,042,479 |
Graduating and withdrawing students at SUNY Sullivan carry a median federal debt of $6,200 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,200 |
| Students who completed (graduates) | $10,150 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for SUNY Sullivan.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $15,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at SUNY Sullivan.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at SUNY Sullivan.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 123 | $11,000 |
| Completed (graduates) | 37 | $10,632 |
| Did not complete | 86 | $12,450 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $126.43/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at SUNY Sullivan.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 69 | $10,632 |
| No Stafford loan this year | 54 | $14,044 |
Repayment burden translates the debt figures into what a borrower actually pays each month. SUNY Sullivan.
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 SUNY Sullivan appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.5% |
| Borrowers in the cohort | 478 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,950 |
| Middle income | $5,500 |
| High income | $5,945 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,289 |
| Continuing-generation students | $6,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,995 |
Federal data publishes the following gap measures for SUNY Sullivan.
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.
Did You Know?
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.