by our College Data Analytics TeamThis page focuses on the debt students take on to attend Williston State College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at Williston State College, 14% of incoming students take out a loan to help cover first-year costs, at roughly $5,045 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $4,671, representing 84.9% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Williston State College, 18% finance part of their studies with federal loans, with a mean of $6,013 a year. That amounts to 28.7% greater than the $4,671 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $12,026 by year two and around $24,052 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 18% |
| Average federal loan per year | $6,013 |
| Undergraduates with a federal loan | 125 |
| Total federal loans (one year) | $751,680 |
The middle borrower at Williston State College owes $6,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $10,099 |
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Williston State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,121 |
| 75th percentile | $10,452 |
| 90th percentile (highest-debt students) | $16,099 |
How wide this percentile range is tells you how much borrowing varies across students at Williston State College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Williston State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 32 | $12,038 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Williston State College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 15 | — |
| No Stafford loan this year | 17 | — |
These figures turn the debt totals into a monthly repayment picture for Williston State College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Williston State College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.5% |
| Borrowers in the cohort | 257 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,500 |
| Middle income | $7,445 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,831 |
| Continuing-generation students | $6,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Williston State 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.
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.