by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Golden Gate University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among all degree-seeking undergrads at Golden Gate University - San Francisco, 30% borrow through federal student loan programs, borrowing on average $8,505 each per year.
Borrowing the same amount each year would add up to roughly $17,010 over two years and about $34,020 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 | 30% |
| Average federal loan per year | $8,505 |
| Undergraduates with a federal loan | 166 |
| Total federal loans (one year) | $1,411,828 |
Graduating and withdrawing students at Golden Gate University - San Francisco carry a median federal debt of $18,774 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,774 |
| Students who completed (graduates) | $29,875 |
| Students who withdrew | $15,368 |
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 Golden Gate University - San Francisco.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $8,625 |
| 75th percentile | $35,500 |
| 90th percentile (highest-debt students) | $47,824 |
How wide this percentile range is tells you how much borrowing varies across students at Golden Gate University - San Francisco.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Golden Gate University - San Francisco.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 195 | $15,081 |
| Completed (graduates) | 115 | $14,685 |
| Did not complete | 80 | $16,219 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $174.62/mo.
Federal data lets us separate Stafford borrowers from the rest at Golden Gate University - San Francisco.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 107 | $16,502 |
| No Stafford loan this year | 88 | $13,130 |
The indicators below describe what the typical debt costs to pay back at Golden Gate University - San Francisco.
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 Golden Gate University - San Francisco is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 2.7% |
| Borrowers in the cohort | 936 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $18,750 |
| Middle income | $23,000 |
| High income | $18,797 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,750 |
| Continuing-generation students | $22,047 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Golden Gate University - San Francisco.
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.
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.