by our College Data Analytics TeamHere you will find what students actually borrow to attend CET, Watsonville, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at CET, Watsonville, 11% of incoming undergraduates borrow in year one, with a typical loan of $5,358 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $5,358, amounting to 97.4% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at CET, Watsonville, 10% use federal student loans to help pay for their education, with a mean of $6,007 per year. That is 12.1% above the $5,358 borrowed by freshmen.
Repeating that yearly amount projects to about $12,014 in two years and roughly $24,028 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $6,007 |
| Undergraduates with a federal loan | 25 |
| Total federal loans (one year) | $150,170 |
The median student at CET, Watsonville 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 |
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, Watsonville.
| 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, Watsonville.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at CET, Watsonville.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 215 | $5,192 |
| Completed (graduates) | 177 | $5,308 |
| Did not complete | 38 | $3,677 |
On a standard 10-year plan, the median completing borrower would pay about $63.12/mo.
Federal data lets us separate Stafford borrowers from the rest at CET, Watsonville.
Current-Year Stafford Borrowers
| 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, Watsonville.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for CET, Watsonville appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.9% |
| Borrowers in the cohort | 1992 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,729 |
| Continuing-generation students | $6,246 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,582 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at CET, Watsonville.
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.
Worth Knowing
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.