by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Talladega College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Talladega College, 48% of first-year students take on loan debt, with a typical loan of $5,842 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,706. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Talladega College, 64% take out federal student loans, at an average of $7,469 annually. It comes to 30.9% higher than the $5,706 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $14,938 over two years and about $29,876 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 | 64% |
| Average federal loan per year | $7,469 |
| Undergraduates with a federal loan | 497 |
| Total federal loans (one year) | $3,712,215 |
Graduating and withdrawing students at Talladega College carry a median federal debt of $15,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,000 |
| Students who completed (graduates) | $28,500 |
| Students who withdrew | $11,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Talladega College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $6,312 |
| 25th percentile | $12,750 |
| 75th percentile | $32,500 |
| 90th percentile (highest-debt students) | $41,997 |
How wide this percentile range is tells you how much borrowing varies across students at Talladega 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 Talladega College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 313 | $11,801 |
| Completed (graduates) | 84 | $14,827 |
| Did not complete | 229 | $11,288 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $176.31/mo.
The indicators below describe what the typical debt costs to pay back at Talladega College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Talladega College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.2% |
| Borrowers in the cohort | 245 |
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 | $14,750 |
| Middle income | $16,750 |
| High income | $12,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,000 |
| Continuing-generation students | $15,625 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,750 |
| Independent students | $16,566 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Talladega 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.
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.