by our College Data Analytics TeamHere you will find what students actually borrow to attend Coastline Community College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Coastline Community College, 7% of new students use loans toward freshman-year expenses, averaging $6,878 each, across private and federal loan sources.
The average federally funded loan is $6,878. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Coastline Community College (freshmen included), 1% rely on federal student loans toward their education, with a mean of $7,099 annually. That amounts to 3.2% above the first-year federal average of $6,878.
At a steady annual pace, that totals around $14,198 by year two and around $28,396 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $7,099 |
| Undergraduates with a federal loan | 104 |
| Total federal loans (one year) | $738,346 |
The middle borrower at Coastline Community College owes $7,683 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,683 |
| Students who completed (graduates) | $8,250 |
| Students who withdrew | $7,648 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Coastline Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,921 |
| 25th percentile | $3,500 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $18,325 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Coastline Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Coastline Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1289 | $16,080 |
| Completed (graduates) | 88 | $14,066 |
| Did not complete | 1201 | $16,150 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $167.26/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Coastline Community College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1244 | $16,071 |
| No Stafford loan | 45 | $16,740 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 21 | $10,000 |
| No Stafford loan this year | 1268 | $16,143 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Coastline Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Coastline Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 192 |
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 | $8,134 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,934 |
| Continuing-generation students | $5,352 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $8,316 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Coastline Community College.
Subsidized vs. 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.
Important to Remember
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.