by our College Data Analytics TeamHere you will find what students actually borrow to attend Treasure Valley Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Treasure Valley Community College, 85% of incoming undergraduates borrow in year one, with a typical loan of $6,827 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,539. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Treasure Valley Community College, 62% use federal student loans to help pay for their education, averaging $6,506 each per year. That is 0.5% under the $6,539 borrowed by freshmen.
Repeating that yearly amount projects to about $13,012 by year two and around $26,024 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,506 |
| Undergraduates with a federal loan | 595 |
| Total federal loans (one year) | $3,871,192 |
Graduating and withdrawing students at Treasure Valley Community College carry a median federal debt of $9,200 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,200 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $8,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Treasure Valley Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,449 |
| 75th percentile | $18,034 |
| 90th percentile (highest-debt students) | $30,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Treasure Valley Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Treasure Valley Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 62 | $11,492 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Treasure Valley Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 32 | $10,125 |
| No Stafford loan this year | 30 | $14,682 |
These figures turn the debt totals into a monthly repayment picture for Treasure Valley Community 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 official Department of Education two-year default rate for Treasure Valley Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.9% |
| Borrowers in the cohort | 949 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $10,458 |
| Middle income | $7,666 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,483 |
| Continuing-generation students | $8,833 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,782 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Treasure Valley Community College.
Subsidized vs. 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
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.