by our College Data Analytics TeamHere you will find what students actually borrow to attend InterCoast Colleges-West Covina: 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.
For incoming students at InterCoast Colleges - West Covina, 79% of freshmen borrow to help pay for their first year, at roughly $10,941 per borrower, covering both private and federal loans.
The average federally funded loan is $10,941. This is at or above the $5,500 first-year federal borrowing cap that applies to 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 - West Covina, freshmen included, 74% finance part of their studies with federal loans, borrowing on average $11,996 each per year. It comes to 9.6% larger than the freshman federal average of $10,941.
Carrying that yearly figure forward comes to roughly $23,992 across two years and $47,984 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $11,996 |
| Undergraduates with a federal loan | 461 |
| Total federal loans (one year) | $5,530,000 |
The median student at InterCoast Colleges - West Covina borrows $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 |
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 InterCoast Colleges - West Covina.
| 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 - West Covina.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at InterCoast Colleges - West Covina.
| 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.
Repayment burden translates the debt figures into what a borrower actually pays each month. InterCoast Colleges - West Covina.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for InterCoast Colleges - West Covina 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 |
By First-Generation Status
| 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 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at InterCoast Colleges - West Covina.
Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
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.