Percentage-wise, Flathead Valley Community College has one of the highest rates in the state of students who can't repay their student loans on time, but the college says this is not the full story.
FVCC president Jane Karas says the default rate sits at about 17%.
She also points out that this only amounts to 68 students.
Karas says the percentage is so high because only 351 people, of about 4,000 in total, had to take out a loan last year to pay for school.
They are still working to get these numbers lower.
"We have increased the financial literacy training we do with students, financial literacy education, and we begin right when they start college and before they take out a loan," said Karas.
Karas says the national average default rate for two-year colleges hovers at or above 20%.
Only one Montana college was able to say they have a default rate under ten percent in 2011. That's Bozeman's MSU, at about 5.7%, according to the Montana University System.