by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Virginia Junior College-Morgantown— 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.
For incoming students at WVJC Morgantown, 86% of first-year students take on loan debt, for an average of $5,526 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,156, which is 93.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at WVJC Morgantown, freshmen included, 86% rely on federal student loans toward their education, with a mean of $6,088 a year. This is 18.1% more than the $5,156 typical freshmen borrow.
At a steady annual pace, that totals around $12,176 by year two and around $24,352 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 86% |
| Average federal loan per year | $6,088 |
| Undergraduates with a federal loan | 502 |
| Total federal loans (one year) | $3,056,345 |
Graduating and withdrawing students at WVJC Morgantown carry a median federal debt of $8,178 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,178 |
| Students who completed (graduates) | $9,881 |
| Students who withdrew | $4,732 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for WVJC Morgantown.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,274 |
| 25th percentile | $5,118 |
| 75th percentile | $11,701 |
| 90th percentile (highest-debt students) | $16,055 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at WVJC Morgantown.
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 WVJC Morgantown.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 133 | $8,216 |
| Completed (graduates) | 87 | $9,900 |
| Did not complete | 46 | $6,146 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $117.72/mo.
These figures turn the debt totals into a monthly repayment picture for WVJC Morgantown.
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 WVJC Morgantown follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.8% |
| Borrowers in the cohort | 292 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,572 |
| Middle income | $9,500 |
| High income | $11,567 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,136 |
| Continuing-generation students | $9,001 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,356 |
| Independent students | $8,136 |
Federal data publishes the following gap measures for WVJC Morgantown.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.