by our College Data Analytics TeamThis page focuses on the debt students take on to attend Chaffey College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Chaffey College, 0% of incoming students take out a loan to help cover first-year costs, at roughly $6,283 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,283. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at Chaffey College, 1% finance part of their studies with federal loans, at an average of $5,786 a year. That amounts to 7.9% less than the $6,283 freshmen take on.
At a steady annual pace, that totals around $11,572 after two years and $23,144 over four years. 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 | $5,786 |
| Undergraduates with a federal loan | 88 |
| Total federal loans (one year) | $509,128 |
Graduating and withdrawing students at Chaffey College carry a median federal debt of $4,325 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,325 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Chaffey College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $2,013 |
| 75th percentile | $4,500 |
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Chaffey College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1297 | $12,224 |
| Completed (graduates) | 103 | $12,636 |
| Did not complete | 1194 | $12,212 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $150.26/mo.
Federal data lets us separate Stafford borrowers from the rest at Chaffey College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1245 | $12,450 |
| No Stafford loan | 52 | $9,483 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Chaffey College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Chaffey College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.6% |
| Borrowers in the cohort | 258 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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.