by our College Data Analytics TeamBelow is federal data on the loans students use to pay for CET, Colton— 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.
At CET, Colton, 77% of new students use loans toward freshman-year expenses, for an average of $6,943 each, across private and federal loan sources.
On the federal side, the average loan is $6,943. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at CET, Colton, freshmen included, 49% take out federal student loans, averaging $7,497 per year. This works out to 8.0% more than the $6,943 freshmen take on.
Repeating that yearly amount projects to about $14,994 by year two and around $29,988 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 49% |
| Average federal loan per year | $7,497 |
| Undergraduates with a federal loan | 142 |
| Total federal loans (one year) | $1,064,553 |
Graduating and withdrawing students at CET, Colton carry a median federal debt of $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 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 CET, Colton.
| 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 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at CET, Colton.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CET, Colton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 215 | $5,192 |
| Completed (graduates) | 177 | $5,308 |
| Did not complete | 38 | $3,677 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $63.12/mo.
Federal data lets us separate Stafford borrowers from the rest at CET, Colton.
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, Colton.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for CET, Colton appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 1992 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $6,777 |
| Middle income | $6,650 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,729 |
| Continuing-generation students | $6,246 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,582 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CET, Colton.
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.
Did You Know?
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.