by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Umpqua 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 Umpqua Community College, 19% of incoming students take out a loan to help cover first-year costs, at roughly $3,618 per borrower, covering both private and federal loans.
The average federal loan is $3,176, which is 57.7% 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 Umpqua Community College, 21% borrow through federal student loan programs, borrowing on average $3,911 a year. This works out to 23.1% above the $3,176 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $7,822 across two years and $15,644 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $3,911 |
| Undergraduates with a federal loan | 409 |
| Total federal loans (one year) | $1,599,524 |
The middle borrower at Umpqua Community College owes $5,095 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,095 |
| Students who completed (graduates) | $9,000 |
| Students who withdrew | $3,996 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Umpqua Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,167 |
| 25th percentile | $2,334 |
| 75th percentile | $9,682 |
| 90th percentile (highest-debt students) | $18,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Umpqua Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Umpqua Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 77 | $8,763 |
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 Umpqua Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 29 | $8,000 |
| No Stafford loan this year | 48 | $9,984 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Umpqua Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Umpqua Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.8% |
| Borrowers in the cohort | 1100 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,036 |
| Middle income | $5,000 |
| High income | $5,652 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,036 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,996 |
| Independent students | $5,837 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Umpqua Community College.
Subsidized and 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.
Important to Remember
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.