by our College Data Analytics TeamHere you will find what students actually borrow to attend California State University-Stanislaus, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Stan State, 12% of new students use loans toward freshman-year expenses, averaging $4,896 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,483, or about 81.5% of the $5,500 cap on first-year federal borrowing for the typical dependent student. 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 Stan State (freshmen included), 21% rely on federal student loans toward their education, at an average of $6,831 per year. It comes to 52.4% higher than the freshman federal average of $4,483.
At a steady annual pace, that totals around $13,662 after two years and $27,324 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 21% |
| Average federal loan per year | $6,831 |
| Undergraduates with a federal loan | 1,808 |
| Total federal loans (one year) | $12,350,904 |
Graduating and withdrawing students at Stan State carry a median federal debt of $11,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,750 |
| Students who completed (graduates) | $13,540 |
| Students who withdrew | $9,000 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Stan State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,000 |
| 25th percentile | $5,500 |
| 75th percentile | $21,950 |
| 90th percentile (highest-debt students) | $31,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Stan State.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Stan State.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 469 | $12,000 |
| Completed (graduates) | 295 | $12,700 |
| Did not complete | 174 | $11,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $151.02/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Stan State.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 451 | — |
| No Stafford loan | 18 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 378 | $12,525 |
| No Stafford loan this year | 91 | $10,000 |
These figures turn the debt totals into a monthly repayment picture for Stan State.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Stan State follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.4% |
| Borrowers in the cohort | 1600 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $11,000 |
| Middle income | $10,986 |
| High income | $13,080 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,359 |
| Continuing-generation students | $12,509 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $12,537 |
Federal data publishes the following gap measures for Stan State.
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.