by our College Data Analytics TeamHere you will find what students actually borrow to attend Evergreen Valley 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.
At Evergreen Valley College, 0% of incoming undergraduates borrow in year one.
Counting every undergraduate at Evergreen Valley College, 0% rely on federal student loans toward their education, at an average of $8,068 per year.
Borrowing at that rate every year works out to about $16,136 in two years and roughly $32,272 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Average federal loan per year | $8,068 |
| Undergraduates with a federal loan | 28 |
| Total federal loans (one year) | $225,892 |
The middle borrower at Evergreen Valley College owes $9,250 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,250 |
| Students who completed (graduates) | $13,219 |
| Students who withdrew | $6,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Evergreen Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $11,500 |
| 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 Evergreen Valley College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Evergreen Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 386 | $15,618 |
| Completed (graduates) | 29 | $16,000 |
| Did not complete | 357 | $15,600 |
On a standard 10-year plan, the median completing borrower would pay about $190.26/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Evergreen Valley College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 364 | $15,394 |
| No Stafford loan | 22 | $18,628 |
The indicators below describe what the typical debt costs to pay back at Evergreen Valley 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 Evergreen Valley College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.9% |
| Borrowers in the cohort | 84 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,250 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,625 |
Federal data publishes the following gap measures for Evergreen Valley 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.
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.