by our College Data Analytics TeamHere you will find what students actually borrow to attend Tarrant County College District— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Tarrant County College specifically, 5% of incoming undergraduates borrow in year one, borrowing on average $4,656 each, across private and federal loan sources.
Federal loans alone average $4,672, amounting to 84.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Tarrant County College, 7% rely on federal student loans toward their education, for a typical $5,204 each per year. This is 11.4% larger than the first-year federal average of $4,672.
Carrying that yearly figure forward comes to roughly $10,408 in two years and roughly $20,816 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 7% |
| Average federal loan per year | $5,204 |
| Undergraduates with a federal loan | 2,988 |
| Total federal loans (one year) | $15,550,400 |
Graduating and withdrawing students at Tarrant County College carry a median federal debt of $5,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $9,104 |
| Students who withdrew | $5,422 |
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 Tarrant County College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,603 |
| 75th percentile | $10,301 |
| 90th percentile (highest-debt students) | $18,787 |
How wide this percentile range is tells you how much borrowing varies across students at Tarrant County College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Tarrant County College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 3072 | $12,370 |
| Completed (graduates) | 435 | $10,181 |
| Did not complete | 2637 | $12,600 |
On a standard 10-year plan, the median completing borrower would pay about $121.06/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Tarrant County College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2964 | $12,384 |
| No Stafford loan | 108 | $12,144 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 672 | $9,475 |
| No Stafford loan this year | 2400 | $13,570 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Tarrant County College.
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 Tarrant County College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.0% |
| Borrowers in the cohort | 2917 |
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 | $6,250 |
| Middle income | $5,250 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,508 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $7,691 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Tarrant County 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.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.