by our College Data Analytics TeamHere you will find what students actually borrow to attend CET, Coachella, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At CET, Coachella specifically, 43% of first-year students take on loan debt, for an average of $6,801 each, across private and federal loan sources.
On the federal side, the average loan is $6,801. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at CET, Coachella, freshmen included, 40% borrow through federal student loan programs, borrowing on average $7,002 in federal loans per year. That is 3.0% higher than the $6,801 typical freshmen borrow.
At a steady annual pace, that totals around $14,004 in two years and roughly $28,008 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 40% |
| Average federal loan per year | $7,002 |
| Undergraduates with a federal loan | 50 |
| Total federal loans (one year) | $350,122 |
The middle borrower at CET, Coachella owes $6,729 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,729 |
| Students who completed (graduates) | $7,041 |
| Students who withdrew | $4,750 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for CET, Coachella.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,140 |
| 25th percentile | $4,767 |
| 75th percentile | $8,042 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at CET, Coachella.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at CET, Coachella.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 215 | $5,192 |
| Completed (graduates) | 177 | $5,308 |
| Did not complete | 38 | $3,677 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $63.12/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at CET, Coachella.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 200 | — |
| No Stafford loan this year | 15 | — |
The indicators below describe what the typical debt costs to pay back at CET, Coachella.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for CET, Coachella follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 1992 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $6,777 |
| Middle income | $6,650 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,729 |
| Continuing-generation students | $6,246 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,582 |
Federal data publishes the following gap measures for CET, Coachella.
The Difference Between Subsidized and 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.
Worth Knowing
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.