by our College Data Analytics TeamHere you will find what students actually borrow to attend Chabot College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
For incoming students at Chabot College, 1% of incoming students take out a loan to help cover first-year costs, borrowing on average $5,620 per borrower, covering both private and federal loans.
The typical federal loan comes to $5,620. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Chabot College, 1% rely on federal student loans toward their education, at an average of $6,946 each per year. That amounts to 23.6% greater than the $5,620 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $13,892 in two years and roughly $27,784 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $6,946 |
| Undergraduates with a federal loan | 94 |
| Total federal loans (one year) | $652,938 |
Graduating and withdrawing students at Chabot College carry a median federal debt of $8,973 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,973 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $8,946 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Chabot College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,116 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $20,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Chabot College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Chabot College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 785 | $13,387 |
| Completed (graduates) | 40 | $14,567 |
| Did not complete | 745 | $13,340 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $173.22/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 Chabot College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 758 | $13,375 |
| No Stafford loan | 27 | $14,433 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 21 | $6,948 |
| No Stafford loan this year | 764 | $13,557 |
The indicators below describe what the typical debt costs to pay back at Chabot College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Chabot College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 19.1% |
| Borrowers in the cohort | 334 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $5,750 |
| High income | $6,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,042 |
| Continuing-generation students | $7,625 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Chabot College.
Subsidized vs. 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.