by our College Data Analytics TeamThis page focuses on the debt students take on to attend York County Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At York County Community College specifically, 10% of new students use loans toward freshman-year expenses, at roughly $6,327 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,327. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at York County Community College (freshmen included), 10% take out federal student loans, for a typical $6,362 per year. This is 0.6% above the first-year federal average of $6,327.
Repeating that yearly amount projects to about $12,724 after two years and $25,448 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 | 10% |
| Average federal loan per year | $6,362 |
| Undergraduates with a federal loan | 107 |
| Total federal loans (one year) | $680,754 |
The middle borrower at York County Community College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $8,861 |
| Students who withdrew | $4,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for York County Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,645 |
| 75th percentile | $9,566 |
| 90th percentile (highest-debt students) | $15,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at York County Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at York County Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 102 | $9,750 |
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 York County Community College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 26 | $6,593 |
| No Stafford loan this year | 76 | $10,334 |
Repayment burden translates the debt figures into what a borrower actually pays each month. York County Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for York County Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.7% |
| Borrowers in the cohort | 276 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $5,500 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $4,875 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,804 |
| Independent students | $6,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at York County 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.
Did You Know?
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.