by our College Data Analytics TeamThis page focuses on the debt students take on to attend Tillamook Bay Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at TBCC, 0% of incoming undergraduates borrow in year one.
Across the full undergraduate body at TBCC (freshmen included), 4% rely on federal student loans toward their education, with a mean of $6,343 per year.
Borrowing at that rate every year works out to about $12,686 in two years and roughly $25,372 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 | 4% |
| Average federal loan per year | $6,343 |
| Undergraduates with a federal loan | 10 |
| Total federal loans (one year) | $63,425 |
The middle borrower at TBCC owes $6,980 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,980 |
| Students who withdrew | $5,426 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for TBCC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,210 |
| 75th percentile | $9,120 |
| 90th percentile (highest-debt students) | $15,308 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at TBCC.
The indicators below describe what the typical debt costs to pay back at TBCC.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,917 |
Subsidized and 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.
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.