by our College Data Analytics TeamHere you will find what students actually borrow to attend Fresno City College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Fresno City College, 0% of incoming undergraduates borrow in year one, averaging $2,444 per borrower, covering both private and federal loans.
The typical federal loan comes to $2,444, amounting to 44.4% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Counting every undergraduate at Fresno City College, 0% finance part of their studies with federal loans, with a mean of $3,374 per year. That amounts to 38.1% above the freshman federal average of $2,444.
Carrying that yearly figure forward comes to roughly $6,748 across two years and $13,496 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Average federal loan per year | $3,374 |
| Undergraduates with a federal loan | 73 |
| Total federal loans (one year) | $246,326 |
Graduating and withdrawing students at Fresno City College carry a median federal debt of $3,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
| Students who completed (graduates) | $4,058 |
| Students who withdrew | $3,307 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Fresno City College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,121 |
| 25th percentile | $1,750 |
| 75th percentile | $4,000 |
| 90th percentile (highest-debt students) | $6,750 |
How wide this percentile range is tells you how much borrowing varies across students at Fresno City College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Fresno City College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 850 | $8,752 |
| Completed (graduates) | 107 | $8,034 |
| Did not complete | 743 | $8,790 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $95.53/mo.
Federal data lets us separate Stafford borrowers from the rest at Fresno City College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 819 | $8,939 |
| No Stafford loan | 31 | $3,970 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 13 | — |
| No Stafford loan this year | 837 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Fresno City 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 official Department of Education two-year default rate for Fresno City College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 30.4% |
| Borrowers in the cohort | 994 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
| Middle income | $3,155 |
| High income | $3,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,500 |
| Continuing-generation students | $3,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $2,819 |
| Independent students | $3,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Fresno City College.
Subsidized and 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.
Did You Know?
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.