Repayment: Associate Degree Recipients

Among the cohort who started college in 2011-12, the total share of associate degree recipients who borrowed and were in the standard 10-year repayment plan six years after first enrolling ranged from 55.6 percent of Black or African American borrowers to 85.6 percent of Asian borrowers. About one-fifth of associate degree recipients with federal loans were in income-driven repayment (IDR) plans (20.4 percent). Participation in IDR plans was highest among Black or African American borrowers (26.6 percent).

Distribution of Borrowers Across Repayment Plans: Associate Degree Recipients, by Race and Ethnicity


U.S. Department of Education, Beginning Postsecondary Students Longitudinal Study, BPS:12/17

Data reflect students who first entered college in 2011-12 and whose highest degree earned by 2017 was an associate degree. Data reflect all federal student loans taken within the six-year time frame. As a result, loan outcomes may reflect loans taken for additional enrollment beyond the highest degree attained by 2017.

Alternative repayment plan includes a few additional repayment options not separately shown.

‡ Estimate suppressed. Reporting standards not met.

! Interpret with caution. Ratio of standard error to estimate is >30% but <50%.

!! Interpret with caution. Ratio of standard error is >50%.

Estimates for groups not separately shown were suppressed due to small sample size.