by our College Data Analytics TeamHere you will find what students actually borrow to attend West Kentucky Community and Technical 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.
At West Kentucky Community and Technical College, 9% of incoming undergraduates borrow in year one, borrowing on average $5,504 per borrower, covering both private and federal loans.
Federal loans alone average $5,504. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at West Kentucky Community and Technical College, 17% finance part of their studies with federal loans, averaging $5,793 in federal loans per year. This works out to 5.3% greater than the first-year federal average of $5,504.
At a steady annual pace, that totals around $11,586 in two years and roughly $23,172 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 17% |
| Average federal loan per year | $5,793 |
| Undergraduates with a federal loan | 483 |
| Total federal loans (one year) | $2,798,214 |
The median student at West Kentucky Community and Technical College borrows $6,158 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,158 |
| Students who completed (graduates) | $8,986 |
| Students who withdrew | $5,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 West Kentucky Community and Technical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $3,000 |
| 75th percentile | $12,213 |
| 90th percentile (highest-debt students) | $21,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at West Kentucky Community and Technical College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for West Kentucky Community and Technical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 190 | $10,000 |
| Completed (graduates) | 57 | $9,344 |
| Did not complete | 133 | $11,301 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $111.11/mo.
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 West Kentucky Community and Technical College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 177 | — |
| No Stafford loan | 13 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 63 | $9,500 |
| No Stafford loan this year | 127 | $11,226 |
These figures turn the debt totals into a monthly repayment picture for West Kentucky Community and Technical College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for West Kentucky Community and Technical College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.3% |
| Borrowers in the cohort | 618 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $6,500 |
| Middle income | $6,000 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,340 |
| Continuing-generation students | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,458 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Kentucky Community and Technical 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.