by our College Data Analytics TeamHere you will find what students actually borrow to attend Antelope Valley Community College District— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At Antelope Valley College specifically, 2% of incoming undergraduates borrow in year one, for an average of $7,613 per borrower, covering both private and federal loans.
The typical federal loan comes to $6,542. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Antelope Valley College, 4% finance part of their studies with federal loans, at an average of $7,003 each per year. It comes to 7.0% greater than the first-year federal average of $6,542.
Repeating that yearly amount projects to about $14,006 across two years and $28,012 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 4% |
| Average federal loan per year | $7,003 |
| Undergraduates with a federal loan | 440 |
| Total federal loans (one year) | $3,081,359 |
Graduating and withdrawing students at Antelope Valley College carry a median federal debt of $8,619 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,619 |
| Students who completed (graduates) | $12,500 |
| Students who withdrew | $8,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Antelope Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,500 |
| 75th percentile | $14,750 |
| 90th percentile (highest-debt students) | $28,464 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Antelope Valley College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Antelope Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 569 | $11,000 |
| Completed (graduates) | 69 | $11,486 |
| Did not complete | 500 | $10,866 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $136.58/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Antelope Valley College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 548 | $11,023 |
| No Stafford loan | 21 | $10,000 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 61 | $8,157 |
| No Stafford loan this year | 508 | $11,413 |
The indicators below describe what the typical debt costs to pay back at Antelope Valley College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Antelope Valley College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.3% |
| Borrowers in the cohort | 1363 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,210 |
| Middle income | $7,125 |
| High income | $4,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,750 |
| Continuing-generation students | $8,022 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,900 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Antelope Valley College.
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
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.