by our College Data Analytics TeamHere you will find what students actually borrow to attend Moorpark College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Moorpark College, 0% of incoming undergraduates borrow in year one, borrowing on average $5,333 per borrower, covering both private and federal loans.
Federal loans alone average $5,333, representing 97.0% of the typical first-year dependent student borrowing cap of $5,500. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at Moorpark College, 1% rely on federal student loans toward their education, averaging $6,849 per year. It comes to 28.4% above the first-year federal average of $5,333.
Carrying that yearly figure forward comes to roughly $13,698 across two years and $27,396 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 | $6,849 |
| Undergraduates with a federal loan | 123 |
| Total federal loans (one year) | $842,385 |
Graduating and withdrawing students at Moorpark College carry a median federal debt of $7,161 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,161 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $6,725 |
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 Moorpark College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,447 |
| 75th percentile | $11,000 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Moorpark College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Moorpark College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1071 | $20,038 |
| Completed (graduates) | 54 | $18,710 |
| Did not complete | 1017 | $20,253 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $222.48/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Moorpark College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1017 | $20,000 |
| No Stafford loan | 54 | $25,003 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 29 | $8,000 |
| No Stafford loan this year | 1042 | $20,485 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Moorpark 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 federal two-year cohort default rate for Moorpark College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.9% |
| Borrowers in the cohort | 218 |
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 | $9,080 |
| Middle income | $6,750 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,212 |
| Continuing-generation students | $7,073 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $10,400 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Moorpark 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.
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.