by our College Data Analytics TeamHere you will find what students actually borrow to attend Tallahassee State College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at Tallahassee Community College, 18% of new students use loans toward freshman-year expenses, with a typical loan of $5,896 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,015, or about 91.2% 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.
Among all degree-seeking undergrads at Tallahassee Community College, 22% take out federal student loans, borrowing on average $5,453 per year. That amounts to 8.7% higher than the $5,015 typical freshmen borrow.
At a steady annual pace, that totals around $10,906 over two years and about $21,812 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 | 22% |
| Average federal loan per year | $5,453 |
| Undergraduates with a federal loan | 2,306 |
| Total federal loans (one year) | $12,575,512 |
The middle borrower at Tallahassee Community College owes $5,350 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,350 |
| Students who completed (graduates) | $7,668 |
| Students who withdrew | $4,836 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Tallahassee Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,625 |
| 75th percentile | $10,629 |
| 90th percentile (highest-debt students) | $19,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Tallahassee Community 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 Tallahassee Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 546 | $9,137 |
| Completed (graduates) | 165 | $10,900 |
| Did not complete | 381 | $8,699 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $129.61/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Tallahassee Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 527 | $9,159 |
| No Stafford loan | 19 | $8,699 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 291 | $7,749 |
| No Stafford loan this year | 255 | $12,590 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Tallahassee Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Tallahassee Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.5% |
| Borrowers in the cohort | 3361 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $4,668 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $4,833 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,750 |
| Independent students | $6,929 |
Federal data publishes the following gap measures for Tallahassee Community College.
Subsidized vs. 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.
Worth Knowing
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.