by our College Data Analytics TeamThis page focuses on the debt students take on to attend Berkeley College-Woodland Park— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Berkeley College - Woodland Park, 41% of incoming students take out a loan to help cover first-year costs, for an average of $6,093 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,477, equal to roughly 99.6% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Berkeley College - Woodland Park, 69% take out federal student loans, for a typical $6,519 each per year. That amounts to 19.0% larger than the freshman federal average of $5,477.
Carrying that yearly figure forward comes to roughly $13,038 across two years and $26,076 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 | 69% |
| Average federal loan per year | $6,519 |
| Undergraduates with a federal loan | 1,241 |
| Total federal loans (one year) | $8,090,014 |
Graduating and withdrawing students at Berkeley College - Woodland Park carry a median federal debt of $15,414 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,414 |
| Students who completed (graduates) | $23,251 |
| Students who withdrew | $9,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Berkeley College - Woodland Park.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $20,762 |
| 90th percentile (highest-debt students) | $33,250 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Berkeley College - Woodland Park.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Berkeley College - Woodland Park.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 596 | $8,254 |
| Completed (graduates) | 361 | $9,020 |
| Did not complete | 235 | $7,294 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $107.26/mo.
Federal data lets us separate Stafford borrowers from the rest at Berkeley College - Woodland Park.
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 567 | $8,312 |
| No Stafford loan this year | 29 | $8,000 |
These figures turn the debt totals into a monthly repayment picture for Berkeley College - Woodland Park.
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 Berkeley College - Woodland Park appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.4% |
| Borrowers in the cohort | 2910 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,645 |
| Middle income | $16,500 |
| High income | $18,807 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,145 |
| Continuing-generation students | $17,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,031 |
| Independent students | $19,605 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Berkeley College - Woodland Park.
The Difference Between 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.
Important to Remember
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.