by our College Data Analytics TeamThis page focuses on the debt students take on to attend Glendale Career College-North-West College-Bakersfield— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at Glendale Career College-North-West College-Bakersfield, 85% of new students use loans toward freshman-year expenses, with a typical loan of $8,565 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $7,090. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Glendale Career College-North-West College-Bakersfield, 78% use federal student loans to help pay for their education, with a mean of $8,039 annually. It comes to 13.4% more than the $7,090 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $16,078 over two years and about $32,156 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $8,039 |
| Undergraduates with a federal loan | 514 |
| Total federal loans (one year) | $4,132,029 |
Graduating and withdrawing students at Glendale Career College-North-West College-Bakersfield carry a median federal debt of $9,321 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,321 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $4,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Glendale Career College-North-West College-Bakersfield.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,438 |
| 25th percentile | $5,500 |
| 75th percentile | $16,115 |
| 90th percentile (highest-debt students) | $18,845 |
How wide this percentile range is tells you how much borrowing varies across students at Glendale Career College-North-West College-Bakersfield.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Glendale Career College-North-West College-Bakersfield.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 293 | $10,272 |
| Completed (graduates) | 179 | $9,501 |
| Did not complete | 114 | $10,723 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $112.98/mo.
Federal data lets us separate Stafford borrowers from the rest at Glendale Career College-North-West College-Bakersfield.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 280 | — |
| No Stafford loan | 13 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 260 | $10,447 |
| No Stafford loan this year | 33 | $8,050 |
The indicators below describe what the typical debt costs to pay back at Glendale Career College-North-West College-Bakersfield.
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 Glendale Career College-North-West College-Bakersfield is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.8% |
| Borrowers in the cohort | 329 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,354 |
| Middle income | $9,319 |
| High income | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,319 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,750 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Glendale Career College-North-West College-Bakersfield.
The Difference Between 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.