by our College Data Analytics TeamBelow is federal data on the loans students use to pay for CET, Soledad, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at CET, Soledad, 13% of freshmen borrow to help pay for their first year, averaging $7,047 per student, private and federal loans combined.
The average federal loan is $7,047. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. 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, Soledad, freshmen included, 14% rely on federal student loans toward their education, borrowing on average $7,079 annually. That amounts to 0.5% larger than the freshman federal average of $7,047.
Borrowing at that rate every year works out to about $14,158 after two years and $28,316 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $7,079 |
| Undergraduates with a federal loan | 47 |
| Total federal loans (one year) | $332,728 |
The median student at CET, Soledad borrows $6,729 in federal borrowing.
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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, Soledad.
| 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, Soledad.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for CET, Soledad.
| 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.
Federal data lets us separate Stafford borrowers from the rest at CET, Soledad.
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, Soledad.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for CET, Soledad 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,777 |
| Middle income | $6,650 |
| High income | $5,500 |
By First-Generation Status
| 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 |
Federal data publishes the following gap measures for CET, Soledad.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.