by our College Data Analytics TeamHere you will find what students actually borrow to attend Spartan College of Aeronautics and Technology: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Spartan College - Inland Empire, 73% of new students use loans toward freshman-year expenses, for an average of $12,055 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $11,298. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at Spartan College - Inland Empire, 53% take out federal student loans, for a typical $11,495 in federal loans per year. It comes to 1.7% above the $11,298 borrowed by freshmen.
At a steady annual pace, that totals around $22,990 over two years and about $45,980 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 53% |
| Average federal loan per year | $11,495 |
| Undergraduates with a federal loan | 189 |
| Total federal loans (one year) | $2,172,580 |
The median student at Spartan College - Inland Empire borrows $20,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,000 |
| Students who completed (graduates) | $20,000 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Spartan College - Inland Empire.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,104 |
| 25th percentile | $9,500 |
| 75th percentile | $24,166 |
| 90th percentile (highest-debt students) | $24,166 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Spartan College - Inland Empire.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Spartan College - Inland Empire.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 163 | $13,148 |
| Completed (graduates) | 129 | $14,956 |
| Did not complete | 34 | $9,531 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $177.84/mo.
The indicators below describe what the typical debt costs to pay back at Spartan College - Inland Empire.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Spartan College - Inland Empire follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.4% |
| Borrowers in the cohort | 285 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $20,000 |
| Middle income | $17,217 |
| High income | $14,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,000 |
| Continuing-generation students | $18,375 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,500 |
| Independent students | $20,000 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Spartan College - Inland Empire.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.