by our College Data Analytics TeamHere you will find what students actually borrow to attend California Career College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at the entering class at California Career College, 25% of new students use loans toward freshman-year expenses, borrowing on average $3,500 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $3,500, or about 63.6% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at California Career College (freshmen included), 91% rely on federal student loans toward their education, at an average of $4,409 annually. It comes to 26.0% higher than the $3,500 typical freshmen borrow.
Repeating that yearly amount projects to about $8,818 over two years and about $17,636 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 | 91% |
| Average federal loan per year | $4,409 |
| Undergraduates with a federal loan | 275 |
| Total federal loans (one year) | $1,212,486 |
The median student at California Career College borrows $26,375 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $26,375 |
| Students who completed (graduates) | $28,500 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at California Career College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $15,167 |
| 75th percentile | $17,667 |
Repayment burden translates the debt figures into what a borrower actually pays each month. California Career College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for California Career College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.5% |
| Borrowers in the cohort | 47 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Middle income | $26,750 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at California Career College.
Subsidized vs. Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Important to Remember
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.