by our College Data Analytics TeamHere you will find what students actually borrow to attend Citrus College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Citrus College, 1% of incoming students take out a loan to help cover first-year costs, with a typical loan of $4,674 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,674, representing 85.0% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Citrus College, 1% rely on federal student loans toward their education, averaging $6,462 per year. It comes to 38.3% higher than the $4,674 typical freshmen borrow.
Borrowing at that rate every year works out to about $12,924 over two years and about $25,848 over a four-year span. 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 | $6,462 |
| Undergraduates with a federal loan | 113 |
| Total federal loans (one year) | $730,177 |
Graduating and withdrawing students at Citrus College carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $7,851 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Citrus College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,154 |
| 75th percentile | $8,538 |
| 90th percentile (highest-debt students) | $13,500 |
How wide this percentile range is tells you how much borrowing varies across students at Citrus College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Citrus College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 944 | $17,706 |
| Completed (graduates) | 42 | $16,723 |
| Did not complete | 902 | $17,852 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $198.85/mo.
Federal data lets us separate Stafford borrowers from the rest at Citrus College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 913 | $17,900 |
| No Stafford loan | 31 | $12,850 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 32 | $7,194 |
| No Stafford loan this year | 912 | $18,092 |
These figures turn the debt totals into a monthly repayment picture for Citrus College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Citrus College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.2% |
| Borrowers in the cohort | 220 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,750 |
| Middle income | $5,500 |
| High income | $5,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Citrus College.
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.
Important to Remember
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.