by our College Data Analytics TeamThis page focuses on the debt students take on to attend Tulsa Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Tulsa Community College, 11% of first-year students take on loan debt, averaging $5,091 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $5,091, equal to roughly 92.6% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Tulsa Community College, 18% borrow through federal student loan programs, for a typical $5,882 each per year. That is 15.5% higher than the freshman federal average of $5,091.
Borrowing the same amount each year would add up to roughly $11,764 over two years and about $23,528 over a four-year span. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 18% |
| Average federal loan per year | $5,882 |
| Undergraduates with a federal loan | 2,086 |
| Total federal loans (one year) | $12,270,862 |
The middle borrower at Tulsa Community College owes $7,933 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,933 |
| Students who completed (graduates) | $12,223 |
| Students who withdrew | $6,600 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Tulsa Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,250 |
| 75th percentile | $13,250 |
| 90th percentile (highest-debt students) | $23,075 |
How wide this percentile range is tells you how much borrowing varies across students at Tulsa Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Tulsa Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 950 | $11,519 |
| Completed (graduates) | 178 | $10,025 |
| Did not complete | 772 | $12,000 |
On a standard 10-year plan, the median completing borrower would pay about $119.21/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Tulsa Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 919 | $11,567 |
| No Stafford loan | 31 | $10,058 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 347 | $10,000 |
| No Stafford loan this year | 603 | $13,500 |
The indicators below describe what the typical debt costs to pay back at Tulsa 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. Two-year cohort default-rate data for Tulsa Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.3% |
| Borrowers in the cohort | 3048 |
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 | $8,144 |
| Middle income | $8,206 |
| High income | $6,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,140 |
| Continuing-generation students | $6,750 |
Dependent vs Independent Borrowers
| 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 Tulsa Community 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.
Important to Remember
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.