by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Barstow Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Barstow Community College, 14% of new students use loans toward freshman-year expenses, with a typical loan of $3,367 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $3,367, which is 61.2% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Barstow Community College, freshmen included, 14% finance part of their studies with federal loans, with a mean of $3,646 per year. This works out to 8.3% more than the $3,367 borrowed by freshmen.
At a steady annual pace, that totals around $7,292 across two years and $14,584 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $3,646 |
| Undergraduates with a federal loan | 365 |
| Total federal loans (one year) | $1,330,704 |
Graduating and withdrawing students at Barstow Community College carry a median federal debt of $3,463 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,463 |
| Students who completed (graduates) | $3,500 |
| Students who withdrew | $3,194 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
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 Barstow Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 208 | $12,774 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Barstow Community College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 196 | — |
| No Stafford loan | 12 | — |
These figures turn the debt totals into a monthly repayment picture for Barstow Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Barstow Community College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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 | $3,347 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $3,201 |
Federal data publishes the following gap measures for Barstow Community 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.
Did You Know?
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.