by our College Data Analytics TeamBelow is federal data on the loans students use to pay for InterCoast Colleges - Rancho Cordova: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at InterCoast Colleges - Rancho Cordova, 75% of incoming students take out a loan to help cover first-year costs, borrowing on average $8,986 per borrower, covering both private and federal loans.
The typical federal loan comes to $8,986. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at InterCoast Colleges - Rancho Cordova, 71% finance part of their studies with federal loans, averaging $8,901 in federal loans per year. This works out to 0.9% less than the freshman federal average of $8,986.
Borrowing the same amount each year would add up to roughly $17,802 in two years and roughly $35,604 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $8,901 |
| Undergraduates with a federal loan | 99 |
| Total federal loans (one year) | $881,184 |
Graduating and withdrawing students at InterCoast Colleges - Rancho Cordova carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,313 |
| Students who withdrew | $7,125 |
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 InterCoast Colleges - Rancho Cordova.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at InterCoast Colleges - Rancho Cordova.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at InterCoast Colleges - Rancho Cordova.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 116 | $7,350 |
| Completed (graduates) | 81 | $7,764 |
| Did not complete | 35 | $6,720 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $92.32/mo.
The indicators below describe what the typical debt costs to pay back at InterCoast Colleges - Rancho Cordova.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for InterCoast Colleges - Rancho Cordova appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.3% |
| Borrowers in the cohort | 1485 |
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 | $9,500 |
| 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 |
Federal data publishes the following gap measures for InterCoast Colleges - Rancho Cordova.
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.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.