by our College Data Analytics TeamHere you will find what students actually borrow to attend Central California School of Continuing Education— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Central California School of Continuing Education, 95% of incoming students take out a loan to help cover first-year costs, at roughly $7,490 per student, private and federal loans combined.
The average federal loan is $7,490. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Central California School of Continuing Education, 56% finance part of their studies with federal loans, with a mean of $10,308 annually. This works out to 37.6% more than the $7,490 freshmen take on.
Borrowing at that rate every year works out to about $20,616 across two years and $41,232 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 | 56% |
| Average federal loan per year | $10,308 |
| Undergraduates with a federal loan | 40 |
| Total federal loans (one year) | $412,324 |
The middle borrower at Central California School of Continuing Education owes $5,150 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,150 |
| Students who completed (graduates) | $5,150 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Central California School of Continuing Education.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,621 |
| 25th percentile | $3,080 |
| 75th percentile | $7,146 |
| 90th percentile (highest-debt students) | $12,000 |
How wide this percentile range is tells you how much borrowing varies across students at Central California School of Continuing Education.
The indicators below describe what the typical debt costs to pay back at Central California School of Continuing Education.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Central California School of Continuing Education follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.0% |
| Borrowers in the cohort | 125 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $4,783 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $4,955 |
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.
Important to Remember
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.