by our College Data Analytics TeamHere you will find what students actually borrow to attend Windward Community 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.
At Windward CC, 5% of incoming undergraduates borrow in year one, at roughly $4,448 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $4,448, equal to roughly 80.9% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Windward CC, 6% borrow through federal student loan programs, with a mean of $6,081 a year. That amounts to 36.7% above the $4,448 borrowed by freshmen.
At a steady annual pace, that totals around $12,162 in two years and roughly $24,324 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 6% |
| Average federal loan per year | $6,081 |
| Undergraduates with a federal loan | 63 |
| Total federal loans (one year) | $383,107 |
The middle borrower at Windward CC owes $7,175 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,175 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $6,329 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Windward CC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $12,131 |
| 90th percentile (highest-debt students) | $20,346 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Windward CC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Windward CC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 90 | $17,639 |
| Completed (graduates) | 22 | $17,354 |
| Did not complete | 68 | $17,639 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $206.36/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 Windward CC.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 23 | $14,306 |
| No Stafford loan this year | 67 | $18,954 |
These figures turn the debt totals into a monthly repayment picture for Windward CC.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Windward CC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.3% |
| Borrowers in the cohort | 315 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $7,000 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,924 |
| Continuing-generation students | $5,500 |
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 Windward CC.
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.
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.