by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Huertas College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Huertas College, 6% of incoming undergraduates borrow in year one, at roughly $4,899 per student, private and federal loans combined.
The typical federal loan comes to $4,899, representing 89.1% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Huertas College, 19% finance part of their studies with federal loans, borrowing on average $4,183 per year. It comes to 14.6% below the $4,899 freshmen take on.
At a steady annual pace, that totals around $8,366 after two years and $16,732 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 | 19% |
| Average federal loan per year | $4,183 |
| Undergraduates with a federal loan | 89 |
| Total federal loans (one year) | $372,322 |
The median student at Huertas College borrows $6,625 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,625 |
| Students who completed (graduates) | $7,500 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Huertas College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,700 |
| 25th percentile | $2,500 |
| 75th percentile | $8,019 |
| 90th percentile (highest-debt students) | $12,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Huertas College.
These figures turn the debt totals into a monthly repayment picture for Huertas College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Huertas College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.6% |
| Borrowers in the cohort | 36 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,875 |
| Continuing-generation students | $6,115 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Huertas College.
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?
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.