by our College Data Analytics TeamBelow is federal data on the loans students use to pay for University of Arkansas Community College-Batesville: 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.
At UACCB, 7% of new students use loans toward freshman-year expenses, at roughly $5,120 per borrower, covering both private and federal loans.
On the federal side, the average loan is $5,120, or about 93.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at UACCB, 15% rely on federal student loans toward their education, borrowing on average $5,297 per year. This is 3.5% more than the $5,120 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $10,594 by year two and around $21,188 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 15% |
| Average federal loan per year | $5,297 |
| Undergraduates with a federal loan | 124 |
| Total federal loans (one year) | $656,868 |
The middle borrower at UACCB owes $7,085 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,085 |
| Students who completed (graduates) | $10,250 |
| Students who withdrew | $6,500 |
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 UACCB.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $3,149 |
| 75th percentile | $12,700 |
| 90th percentile (highest-debt students) | $21,425 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UACCB.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UACCB.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 39 | $10,000 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UACCB.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 14 | — |
| No Stafford loan this year | 25 | — |
These figures turn the debt totals into a monthly repayment picture for UACCB.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for UACCB appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.4% |
| Borrowers in the cohort | 433 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,200 |
| Middle income | $6,500 |
| High income | $5,305 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,450 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,250 |
| Independent students | $8,525 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UACCB.
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.
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.