by our College Data Analytics TeamThis page focuses on the debt students take on to attend InterCoast Colleges - Fairfield, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at InterCoast Colleges - Fairfield, 89% of incoming undergraduates borrow in year one, with a typical loan of $8,119 per student, private and federal loans combined.
On the federal side, the average loan is $8,119. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at InterCoast Colleges - Fairfield, freshmen included, 72% rely on federal student loans toward their education, for a typical $8,189 per year. That is 0.9% higher than the $8,119 typical freshmen borrow.
Repeating that yearly amount projects to about $16,378 in two years and roughly $32,756 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 72% |
| Average federal loan per year | $8,189 |
| Undergraduates with a federal loan | 181 |
| Total federal loans (one year) | $1,482,207 |
The middle borrower at InterCoast Colleges - Fairfield owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,313 |
| Students who withdrew | $7,125 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for InterCoast Colleges - Fairfield.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,977 |
| 25th percentile | $5,938 |
| 75th percentile | $12,125 |
| 90th percentile (highest-debt students) | $14,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at InterCoast Colleges - Fairfield.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for InterCoast Colleges - Fairfield.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 116 | $7,350 |
| Completed (graduates) | 81 | $7,764 |
| Did not complete | 35 | $6,720 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $92.32/mo.
The indicators below describe what the typical debt costs to pay back at InterCoast Colleges - Fairfield.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for InterCoast Colleges - Fairfield appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.3% |
| Borrowers in the cohort | 1485 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $7,125 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,313 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at InterCoast Colleges - Fairfield.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.