by our College Data Analytics TeamThis page focuses on the debt students take on to attend White Mountains Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
For incoming students at White Mountains Community College, 35% of freshmen borrow to help pay for their first year, at roughly $6,037 per borrower, covering both private and federal loans.
Federal loans alone average $6,037. That sits at or beyond the $5,500 first-year federal limit for a 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.
Among all degree-seeking undergrads at White Mountains Community College, 38% use federal student loans to help pay for their education, borrowing on average $6,527 annually. This works out to 8.1% more than the $6,037 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $13,054 over two years and about $26,108 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 38% |
| Average federal loan per year | $6,527 |
| Undergraduates with a federal loan | 161 |
| Total federal loans (one year) | $1,050,813 |
The middle borrower at White Mountains Community College owes $8,400 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,400 |
| Students who completed (graduates) | $11,000 |
| Students who withdrew | $6,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for White Mountains Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,500 |
| 25th percentile | $4,375 |
| 75th percentile | $15,500 |
| 90th percentile (highest-debt students) | $26,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at White Mountains Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for White Mountains Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 85 | $12,842 |
| Completed (graduates) | 29 | $13,825 |
| Did not complete | 56 | $12,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $164.39/mo.
Federal data lets us separate Stafford borrowers from the rest at White Mountains Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 49 | $12,000 |
| No Stafford loan this year | 36 | $14,330 |
These figures turn the debt totals into a monthly repayment picture for White Mountains Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for White Mountains Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.5% |
| Borrowers in the cohort | 732 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $7,875 |
| High income | $6,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,142 |
| Continuing-generation students | $7,291 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,810 |
| Independent students | $10,228 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at White Mountains Community College.
The Difference Between 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.