by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Los Angeles Mission College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Los Angeles Mission College, 0% of first-year students take on loan debt, for an average of $7,176 per borrower, covering both private and federal loans.
The average federal loan is $7,176. That is at or past the $5,500 federal first-year limit for 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 Los Angeles Mission College, freshmen included, 1% borrow through federal student loan programs, averaging $7,658 per year. That is 6.7% above the $7,176 freshmen take on.
Borrowing at that rate every year works out to about $15,316 over two years and about $30,632 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $7,658 |
| Undergraduates with a federal loan | 89 |
| Total federal loans (one year) | $681,589 |
The middle borrower at Los Angeles Mission College owes $10,432 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,432 |
| Students who completed (graduates) | $12,678 |
| Students who withdrew | $10,125 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Los Angeles Mission College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,500 |
| 25th percentile | $3,948 |
| 75th percentile | $14,750 |
| 90th percentile (highest-debt students) | $25,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Los Angeles Mission 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 Los Angeles Mission College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 365 | $9,863 |
| Completed (graduates) | 20 | $6,416 |
| Did not complete | 345 | $9,976 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $76.29/mo.
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 Los Angeles Mission College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 354 | — |
| No Stafford loan | 11 | — |
The indicators below describe what the typical debt costs to pay back at Los Angeles Mission College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Los Angeles Mission College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.7% |
| Borrowers in the cohort | 89 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,309 |
| Continuing-generation students | $10,498 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,000 |
| Independent students | $11,000 |
Federal data publishes the following gap measures for Los Angeles Mission College.
The Difference Between 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.
Worth Knowing
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.