by our College Data Analytics TeamHere you will find what students actually borrow to attend Wor-Wic Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Wor-Wic Community College, 10% of incoming undergraduates borrow in year one, for an average of $2,765 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $2,765, amounting to 50.3% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Wor-Wic Community College, 21% finance part of their studies with federal loans, averaging $3,768 annually. This is 36.3% more than the $2,765 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $7,536 after two years and $15,072 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $3,768 |
| Undergraduates with a federal loan | 420 |
| Total federal loans (one year) | $1,582,435 |
The median student at Wor-Wic Community College borrows $3,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
| Students who completed (graduates) | $7,828 |
| Students who withdrew | $3,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Wor-Wic Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $1,750 |
| 75th percentile | $6,283 |
| 90th percentile (highest-debt students) | $11,250 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Wor-Wic Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Wor-Wic Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 235 | $12,848 |
| Completed (graduates) | 54 | $15,570 |
| Did not complete | 181 | $12,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $185.14/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Wor-Wic Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 225 | — |
| No Stafford loan | 10 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 60 | $10,922 |
| No Stafford loan this year | 175 | $13,800 |
These figures turn the debt totals into a monthly repayment picture for Wor-Wic 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 Wor-Wic Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.8% |
| Borrowers in the cohort | 272 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
| Middle income | $4,381 |
| High income | $3,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,500 |
| Continuing-generation students | $3,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $4,225 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Wor-Wic Community College.
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.
Important to Remember
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.