by our College Data Analytics TeamHere you will find what students actually borrow to attend Antioch University-Santa Barbara: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Across the full undergraduate body at Antioch University - Santa Barbara (freshmen included), 39% rely on federal student loans toward their education, averaging $11,323 in federal loans per year.
Carrying that yearly figure forward comes to roughly $22,646 over two years and about $45,292 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 39% |
| Average federal loan per year | $11,323 |
| Undergraduates with a federal loan | 20 |
| Total federal loans (one year) | $226,457 |
The middle borrower at Antioch University - Santa Barbara owes $17,103 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,103 |
| Students who completed (graduates) | $23,501 |
| Students who withdrew | $15,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Antioch University - Santa Barbara.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,499 |
| 25th percentile | $9,430 |
| 75th percentile | $33,938 |
| 90th percentile (highest-debt students) | $43,418 |
How wide this percentile range is tells you how much borrowing varies across students at Antioch University - Santa Barbara.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Antioch University - Santa Barbara.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 373 | $15,000 |
| Completed (graduates) | 183 | $18,753 |
| Did not complete | 190 | $12,747 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $222.99/mo.
Federal data lets us separate Stafford borrowers from the rest at Antioch University - Santa Barbara.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 309 | $14,000 |
| No Stafford loan this year | 64 | $20,462 |
These figures turn the debt totals into a monthly repayment picture for Antioch University - Santa Barbara.
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 Antioch University - Santa Barbara appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.0% |
| Borrowers in the cohort | 1494 |
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 | $18,494 |
| Middle income | $16,667 |
| High income | $14,666 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,297 |
| Continuing-generation students | $16,883 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,500 |
| Independent students | $18,494 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Antioch University - Santa Barbara.
The Difference Between Subsidized and 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?
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.