by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Arkansas Community College-Morrilton, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at UACCM, 8% of first-year students take on loan debt, for an average of $4,680 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,661, which is 84.7% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at UACCM, freshmen included, 14% use federal student loans to help pay for their education, with a mean of $4,906 in federal loans per year. This works out to 5.3% higher than the $4,661 borrowed by freshmen.
At a steady annual pace, that totals around $9,812 in two years and roughly $19,624 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 | 14% |
| Average federal loan per year | $4,906 |
| Undergraduates with a federal loan | 220 |
| Total federal loans (one year) | $1,079,343 |
The median student at UACCM borrows $6,300 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,300 |
| Students who completed (graduates) | $10,315 |
| Students who withdrew | $5,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UACCM.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,700 |
| 75th percentile | $9,874 |
| 90th percentile (highest-debt students) | $16,967 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UACCM.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at UACCM.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 111 | $8,000 |
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 UACCM.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 32 | $7,677 |
| No Stafford loan this year | 79 | $8,000 |
These figures turn the debt totals into a monthly repayment picture for UACCM.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for UACCM appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.5% |
| Borrowers in the cohort | 341 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,746 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,643 |
| Continuing-generation students | $4,921 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,499 |
| Independent students | $8,198 |
Federal data publishes the following gap measures for UACCM.
Subsidized vs. 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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.