by our College Data Analytics TeamHere you will find what students actually borrow to attend Laney College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Laney College, 1% of incoming undergraduates borrow in year one, for an average of $9,404 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $9,404. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Among all degree-seeking undergrads at Laney College, 1% borrow through federal student loan programs, for a typical $7,494 a year. This works out to 20.3% below the $9,404 freshmen take on.
Repeating that yearly amount projects to about $14,988 in two years and roughly $29,976 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $7,494 |
| Undergraduates with a federal loan | 71 |
| Total federal loans (one year) | $532,102 |
Graduating and withdrawing students at Laney College carry a median federal debt of $9,301 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,301 |
| Students who withdrew | $9,301 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Laney College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,596 |
| 25th percentile | $3,744 |
| 75th percentile | $15,000 |
| 90th percentile (highest-debt students) | $24,506 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Laney College.
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 Laney College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 490 | $15,000 |
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Laney College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 473 | — |
| No Stafford loan | 17 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 13 | — |
| No Stafford loan this year | 477 | — |
The indicators below describe what the typical debt costs to pay back at Laney College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Laney College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.2% |
| Borrowers in the cohort | 39 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,426 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $7,750 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,875 |
| Independent students | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Laney College.
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
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.