by our College Data Analytics TeamHere you will find what students actually borrow to attend Tyler Junior 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 Tyler Junior College, 27% of first-year students take on loan debt, for an average of $5,010 each — a figure that counts both private and federal student loans.
The average federal loan is $5,010, or about 91.1% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Tyler Junior College, freshmen included, 25% use federal student loans to help pay for their education, borrowing on average $5,622 annually. That amounts to 12.2% greater than the $5,010 borrowed by freshmen.
Borrowing at that rate every year works out to about $11,244 by year two and around $22,488 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 25% |
| Average federal loan per year | $5,622 |
| Undergraduates with a federal loan | 2,265 |
| Total federal loans (one year) | $12,734,803 |
The middle borrower at Tyler Junior College owes $6,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $11,995 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Tyler Junior College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,194 |
| 25th percentile | $3,500 |
| 75th percentile | $10,632 |
| 90th percentile (highest-debt students) | $18,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Tyler Junior College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Tyler Junior College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 531 | $8,286 |
| Completed (graduates) | 116 | $9,524 |
| Did not complete | 415 | $8,105 |
On a standard 10-year plan, the median completing borrower would pay about $113.25/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Tyler Junior College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 513 | — |
| No Stafford loan | 18 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 357 | $8,079 |
| No Stafford loan this year | 174 | $9,638 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Tyler Junior College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Tyler Junior College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.4% |
| Borrowers in the cohort | 2634 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,702 |
| Middle income | $6,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $6,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Tyler Junior College.
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.