by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Texarkana College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Texarkana College, 10% of incoming students take out a loan to help cover first-year costs, averaging $5,265 each — a figure that counts both private and federal student loans.
The average federal loan is $5,265, equal to roughly 95.7% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Texarkana College, 18% take out federal student loans, at an average of $5,712 each per year. That amounts to 8.5% higher than the $5,265 freshmen take on.
At a steady annual pace, that totals around $11,424 across two years and $22,848 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 18% |
| Average federal loan per year | $5,712 |
| Undergraduates with a federal loan | 282 |
| Total federal loans (one year) | $1,610,745 |
The median student at Texarkana College borrows $9,487 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,487 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $8,205 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Texarkana College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $13,113 |
| 90th percentile (highest-debt students) | $21,586 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Texarkana 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 Texarkana College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 106 | $10,128 |
| Completed (graduates) | 30 | $8,261 |
| Did not complete | 76 | $11,261 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $98.23/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Texarkana College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 33 | $6,652 |
| No Stafford loan this year | 73 | $13,262 |
The indicators below describe what the typical debt costs to pay back at Texarkana College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Texarkana College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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 | $9,500 |
| Middle income | $8,489 |
| High income | $6,855 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,172 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $10,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Texarkana College.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.