by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Blue Cliff Career College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Blue Cliff Career College specifically, 78% of incoming undergraduates borrow in year one, at roughly $6,292 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,292. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Blue Cliff Career College, 45% finance part of their studies with federal loans, for a typical $7,056 per year. It comes to 12.1% more than the $6,292 typical freshmen borrow.
At a steady annual pace, that totals around $14,112 across two years and $28,224 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $7,056 |
| Undergraduates with a federal loan | 62 |
| Total federal loans (one year) | $437,468 |
The middle borrower at Blue Cliff Career College owes $6,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $7,917 |
| Students who withdrew | $4,250 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Blue Cliff Career College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $4,584 |
| 75th percentile | $8,120 |
| 90th percentile (highest-debt students) | $10,500 |
How wide this percentile range is tells you how much borrowing varies across students at Blue Cliff Career College.
The indicators below describe what the typical debt costs to pay back at Blue Cliff Career College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Blue Cliff Career College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.7% |
| Borrowers in the cohort | 127 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,014 |
| Independent students | $7,917 |
Subsidized vs. 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.