by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Los Angeles City College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Los Angeles City College, 6% of freshmen borrow to help pay for their first year, at roughly $9,427 per borrower, covering both private and federal loans.
The typical federal loan comes to $9,274. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at Los Angeles City College (freshmen included), 5% take out federal student loans, with a mean of $8,523 per year. It comes to 8.1% less than the first-year federal average of $9,274.
Borrowing the same amount each year would add up to roughly $17,046 across two years and $34,092 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 5% |
| Average federal loan per year | $8,523 |
| Undergraduates with a federal loan | 596 |
| Total federal loans (one year) | $5,079,604 |
The middle borrower at Los Angeles City College owes $9,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,750 |
| Students who withdrew | $9,500 |
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 Los Angeles City College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,506 |
| 25th percentile | $4,070 |
| 75th percentile | $17,500 |
| 90th percentile (highest-debt students) | $29,000 |
How wide this percentile range is tells you how much borrowing varies across students at Los Angeles City College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Los Angeles City College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 831 | $13,000 |
| Completed (graduates) | 39 | $13,500 |
| Did not complete | 792 | $13,000 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $160.53/mo.
Federal data lets us separate Stafford borrowers from the rest at Los Angeles City College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 802 | $13,032 |
| No Stafford loan | 29 | $13,000 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 43 | $15,000 |
| No Stafford loan this year | 788 | $13,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Los Angeles City College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Los Angeles City College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.0% |
| Borrowers in the cohort | 440 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,000 |
| Middle income | $8,974 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $10,500 |
Federal data publishes the following gap measures for Los Angeles City College.
Subsidized and 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.
Worth Knowing
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.