by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Warren County Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Warren County Community College, 5% of first-year students take on loan debt, at roughly $3,713 each, across private and federal loan sources.
The average federal loan is $3,713, amounting to 67.5% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at Warren County Community College, 5% rely on federal student loans toward their education, for a typical $4,538 per year. It comes to 22.2% larger than the freshman federal average of $3,713.
Repeating that yearly amount projects to about $9,076 after two years and $18,152 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 5% |
| Average federal loan per year | $4,538 |
| Undergraduates with a federal loan | 42 |
| Total federal loans (one year) | $190,609 |
Graduating and withdrawing students at Warren County Community College carry a median federal debt of $6,499 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,499 |
| Students who completed (graduates) | $9,300 |
| Students who withdrew | $5,300 |
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 Warren County Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,600 |
| 25th percentile | $2,985 |
| 75th percentile | $10,025 |
| 90th percentile (highest-debt students) | $15,900 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Warren County Community College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Warren County Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 74 | $13,700 |
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 Warren County Community College.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 13 | — |
| No Stafford loan this year | 61 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Warren County Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Warren County Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.2% |
| Borrowers in the cohort | 112 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,220 |
| Middle income | $7,677 |
| High income | $6,116 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $7,714 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,250 |
| Independent students | $6,770 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Warren County Community College.
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.
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.