by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Yavapai 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.
At Yavapai College, 8% of new students use loans toward freshman-year expenses, borrowing on average $6,929 per borrower, covering both private and federal loans.
On the federal side, the average loan is $6,477. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. 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 Yavapai College, 8% borrow through federal student loan programs, at an average of $6,487 in federal loans per year. It comes to 0.2% more than the freshman federal average of $6,477.
Borrowing the same amount each year would add up to roughly $12,974 across two years and $25,948 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 | 8% |
| Average federal loan per year | $6,487 |
| Undergraduates with a federal loan | 311 |
| Total federal loans (one year) | $2,017,586 |
The middle borrower at Yavapai College owes $6,762 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,762 |
| Students who completed (graduates) | $9,000 |
| Students who withdrew | $5,893 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Yavapai College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,250 |
| 75th percentile | $15,292 |
| 90th percentile (highest-debt students) | $26,124 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Yavapai College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Yavapai College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 318 | $13,502 |
| Completed (graduates) | 57 | $13,111 |
| Did not complete | 261 | $13,665 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $155.9/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 Yavapai College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 302 | — |
| No Stafford loan | 16 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 53 | $11,244 |
| No Stafford loan this year | 265 | $14,548 |
The indicators below describe what the typical debt costs to pay back at Yavapai College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Yavapai College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 12.2% |
| Borrowers in the cohort | 399 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,500 |
| Middle income | $6,750 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,990 |
| Continuing-generation students | $6,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,467 |
Federal data publishes the following gap measures for Yavapai College.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.