by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Warren County Career Center, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Warren County Career Center, 35% of new students use loans toward freshman-year expenses, at roughly $6,395 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,740. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Warren County Career Center, freshmen included, 22% finance part of their studies with federal loans, averaging $5,266 annually. That amounts to 8.3% less than the $5,740 freshmen take on.
At a steady annual pace, that totals around $10,532 after two years and $21,064 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 22% |
| Average federal loan per year | $5,266 |
| Undergraduates with a federal loan | 78 |
| Total federal loans (one year) | $410,778 |
The median student at Warren County Career Center borrows $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $5,500 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Warren County Career Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,942 |
| 25th percentile | $3,697 |
| 75th percentile | $7,833 |
| 90th percentile (highest-debt students) | $9,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Warren County Career Center.
Repayment burden translates the debt figures into what a borrower actually pays each month. Warren County Career Center.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Warren County Career Center is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.0% |
| Borrowers in the cohort | 73 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $6,333 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,900 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Warren County Career Center.
Subsidized vs. 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.
Did You Know?
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.