by our College Data Analytics TeamHere you will find what students actually borrow to attend Western Texas College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Western Texas College, 2% of first-year students take on loan debt, averaging $2,574 per borrower, covering both private and federal loans.
On the federal side, the average loan is $2,574, equal to roughly 46.8% 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.
Counting every undergraduate at Western Texas College, 4% rely on federal student loans toward their education, for a typical $4,958 per year. That amounts to 92.6% higher than the $2,574 freshmen take on.
At a steady annual pace, that totals around $9,916 in two years and roughly $19,832 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $4,958 |
| Undergraduates with a federal loan | 21 |
| Total federal loans (one year) | $104,127 |
Graduating and withdrawing students at Western Texas College carry a median federal debt of $5,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,515 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Western Texas College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,748 |
| 25th percentile | $3,000 |
| 75th percentile | $7,794 |
| 90th percentile (highest-debt students) | $11,646 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Western Texas College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Western Texas College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 505 | $22,778 |
Federal data lets us separate Stafford borrowers from the rest at Western Texas College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 480 | $23,528 |
| No Stafford loan | 25 | $14,772 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 10 | — |
| No Stafford loan this year | 495 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Western Texas College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Western Texas College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.4% |
| Borrowers in the cohort | 168 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,662 |
| Middle income | $5,500 |
| 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 | $9,457 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Western Texas College.
The Difference Between Subsidized and 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.
Worth Knowing
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.