by our College Data Analytics TeamHere you will find what students actually borrow to attend InterCoast Colleges - Riverside: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
At InterCoast Colleges - Riverside specifically, 82% of freshmen borrow to help pay for their first year, for an average of $9,726 per borrower, covering both private and federal loans.
The average federally funded loan is $9,726. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at InterCoast Colleges - Riverside, 69% rely on federal student loans toward their education, borrowing on average $10,551 each per year. This is 8.5% greater than the $9,726 typical freshmen borrow.
Repeating that yearly amount projects to about $21,102 across two years and $42,204 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 | 69% |
| Average federal loan per year | $10,551 |
| Undergraduates with a federal loan | 68 |
| Total federal loans (one year) | $717,461 |
The median student at InterCoast Colleges - Riverside borrows $9,500 of cumulative federal debt.
| 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 - Riverside.
| 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 - Riverside.
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 - Riverside.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 116 | $7,350 |
| Completed (graduates) | 81 | $7,764 |
| Did not complete | 35 | $6,720 |
On a standard 10-year plan, the median completing borrower would pay about $92.32/mo.
The indicators below describe what the typical debt costs to pay back at InterCoast Colleges - Riverside.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for InterCoast Colleges - Riverside follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.3% |
| Borrowers in the cohort | 1485 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $7,125 |
First-Gen vs Continuing-Gen Borrowing
| 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 - Riverside.
Subsidized vs. 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.