by our College Data Analytics TeamThis page focuses on the debt students take on to attend Central Coast College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Central Coast College, 69% of freshmen borrow to help pay for their first year, at roughly $8,841 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $8,798. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Central Coast College (freshmen included), 64% borrow through federal student loan programs, averaging $8,719 per year. It comes to 0.9% lower than the $8,798 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $17,438 across two years and $34,876 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $8,719 |
| Undergraduates with a federal loan | 450 |
| Total federal loans (one year) | $3,923,569 |
The median student at Central Coast College borrows $5,503 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,503 |
| Students who completed (graduates) | $7,476 |
| Students who withdrew | $3,852 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Central Coast College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,050 |
| 25th percentile | $2,065 |
| 75th percentile | $5,468 |
| 90th percentile (highest-debt students) | $7,570 |
How wide this percentile range is tells you how much borrowing varies across students at Central Coast College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Central Coast College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 57 | $4,803 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Central Coast College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Central Coast College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.7% |
| Borrowers in the cohort | 192 |
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 | $6,911 |
| Middle income | $5,500 |
| High income | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,021 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Central Coast 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.
Worth Knowing
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.