by our College Data Analytics TeamBelow is federal data on the loans students use to pay for North-West College - Glendale: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at NWC Glendale, 57% of first-year students take on loan debt, borrowing on average $5,170 each, across private and federal loan sources.
The typical federal loan comes to $4,812, equal to roughly 87.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at NWC Glendale, 52% take out federal student loans, borrowing on average $4,426 a year. This is 8.0% lower than the first-year federal average of $4,812.
At a steady annual pace, that totals around $8,852 in two years and roughly $17,704 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 52% |
| Average federal loan per year | $4,426 |
| Undergraduates with a federal loan | 75 |
| Total federal loans (one year) | $331,939 |
The middle borrower at NWC Glendale owes $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,724 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for NWC Glendale.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,427 |
| 25th percentile | $5,401 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $14,845 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at NWC Glendale.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for NWC Glendale.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 150 | $5,835 |
| Completed (graduates) | 118 | $6,490 |
| Did not complete | 32 | $4,214 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $77.17/mo.
These figures turn the debt totals into a monthly repayment picture for NWC Glendale.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for NWC Glendale appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.8% |
| Borrowers in the cohort | 529 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,857 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for NWC Glendale.
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.