by our College Data Analytics TeamHere you will find what students actually borrow to attend Trinidad State 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.
At Trinidad State Junior College, 17% of new students use loans toward freshman-year expenses, for an average of $5,647 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,083, equal to roughly 92.4% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Trinidad State Junior College (freshmen included), 17% finance part of their studies with federal loans, borrowing on average $6,493 in federal loans per year. This works out to 27.7% larger than the $5,083 typical freshmen borrow.
Borrowing at that rate every year works out to about $12,986 over two years and about $25,972 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $6,493 |
| Undergraduates with a federal loan | 202 |
| Total federal loans (one year) | $1,311,519 |
Graduating and withdrawing students at Trinidad State Junior College carry a median federal debt of $6,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $8,908 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Trinidad State Junior College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $20,050 |
How wide this percentile range is tells you how much borrowing varies across students at Trinidad State Junior College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Trinidad State Junior College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 84 | $8,757 |
| Completed (graduates) | 39 | $7,234 |
| Did not complete | 45 | $10,381 |
On a standard 10-year plan, the median completing borrower would pay about $86.02/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Trinidad State Junior College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 32 | $6,994 |
| No Stafford loan this year | 52 | $13,754 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Trinidad State Junior 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 Trinidad State Junior College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.2% |
| Borrowers in the cohort | 387 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $8,650 |
| Middle income | $5,500 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,000 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Trinidad State Junior 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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.