by our College Data Analytics TeamThis page focuses on the debt students take on to attend Washington County Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Washington County Community College, 17% of first-year students take on loan debt, at roughly $4,273 per borrower, covering both private and federal loans.
The average federal loan is $4,273, representing 77.7% 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 Washington County Community College, freshmen included, 13% borrow through federal student loan programs, with a mean of $4,967 per year. That amounts to 16.2% above the $4,273 typical freshmen borrow.
Borrowing at that rate every year works out to about $9,934 after two years and $19,868 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 | 13% |
| Average federal loan per year | $4,967 |
| Undergraduates with a federal loan | 51 |
| Total federal loans (one year) | $253,322 |
The middle borrower at Washington County Community College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who withdrew | $5,500 |
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 Washington County Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,695 |
| 25th percentile | $2,750 |
| 75th percentile | $6,206 |
| 90th percentile (highest-debt students) | $9,918 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Washington County Community College.
The indicators below describe what the typical debt costs to pay back at Washington 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 federal two-year cohort default rate for Washington County Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 25.0% |
| Borrowers in the cohort | 88 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $4,982 |
| High income | $5,500 |
First-Generation Comparison
| 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 | $5,102 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Washington County Community College.
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
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.