by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Cincinnati-Clermont College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At UC Clermont College specifically, 35% of incoming students take out a loan to help cover first-year costs, for an average of $5,625 per borrower, covering both private and federal loans.
The average federally funded loan is $5,249, or about 95.4% of the typical first-year dependent student borrowing cap of $5,500. 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 UC Clermont College, freshmen included, 48% finance part of their studies with federal loans, borrowing on average $6,626 a year. This works out to 26.2% larger than the first-year federal average of $5,249.
Borrowing the same amount each year would add up to roughly $13,252 over two years and about $26,504 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 | 48% |
| Average federal loan per year | $6,626 |
| Undergraduates with a federal loan | 1,240 |
| Total federal loans (one year) | $8,216,767 |
The middle borrower at UC Clermont College owes $12,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $21,250 |
| Students who withdrew | $6,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at UC Clermont College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,800 |
| 25th percentile | $5,500 |
| 75th percentile | $25,834 |
| 90th percentile (highest-debt students) | $34,105 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UC Clermont College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UC Clermont College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 6279 | $20,000 |
| Completed (graduates) | 3803 | $23,602 |
| Did not complete | 2476 | $16,936 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $280.65/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UC Clermont College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 6165 | $20,000 |
| No Stafford loan | 114 | $20,133 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 5563 | $20,432 |
| No Stafford loan this year | 716 | $16,653 |
These figures turn the debt totals into a monthly repayment picture for UC Clermont College.
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 UC Clermont College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.6% |
| Borrowers in the cohort | 9406 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,000 |
| Middle income | $12,000 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,833 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $14,112 |
Federal data publishes the following gap measures for UC Clermont 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.
Did You Know?
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.