by our College Data Analytics TeamThis page focuses on the debt students take on to attend SUNY College of Agriculture and Technology at Cobleskill: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at SUNY Cobleskill, 65% of incoming undergraduates borrow in year one, with a typical loan of $7,453 each, across private and federal loan sources.
The typical federal loan comes to $5,129, or about 93.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at SUNY Cobleskill, freshmen included, 56% finance part of their studies with federal loans, for a typical $5,971 a year. That is 16.4% larger than the first-year federal average of $5,129.
Borrowing at that rate every year works out to about $11,942 in two years and roughly $23,884 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 56% |
| Average federal loan per year | $5,971 |
| Undergraduates with a federal loan | 981 |
| Total federal loans (one year) | $5,857,499 |
Graduating and withdrawing students at SUNY Cobleskill carry a median federal debt of $11,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,000 |
| Students who completed (graduates) | $16,023 |
| Students who withdrew | $8,250 |
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 SUNY Cobleskill.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $19,857 |
| 90th percentile (highest-debt students) | $29,424 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at SUNY Cobleskill.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at SUNY Cobleskill.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 536 | $13,742 |
| Completed (graduates) | 214 | $20,160 |
| Did not complete | 322 | $11,782 |
On a standard 10-year plan, the median completing borrower would pay about $239.72/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at SUNY Cobleskill.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 526 | — |
| No Stafford loan | 10 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 484 | $13,998 |
| No Stafford loan this year | 52 | $9,981 |
Repayment burden translates the debt figures into what a borrower actually pays each month. SUNY Cobleskill.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for SUNY Cobleskill follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.1% |
| Borrowers in the cohort | 1094 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $11,000 |
| Middle income | $10,500 |
| High income | $11,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,988 |
| Continuing-generation students | $11,540 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $12,216 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at SUNY Cobleskill.
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.
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.