by our College Data Analytics TeamThis page focuses on the debt students take on to attend Moreno Valley College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
At Moreno Valley College, 1% of incoming undergraduates borrow in year one, with a typical loan of $6,100 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $6,100. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Moreno Valley College, freshmen included, 1% use federal student loans to help pay for their education, with a mean of $7,292 in federal loans per year. That is 19.5% greater than the $6,100 borrowed by freshmen.
At a steady annual pace, that totals around $14,584 in two years and roughly $29,168 by the fourth year. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $7,292 |
| Undergraduates with a federal loan | 79 |
| Total federal loans (one year) | $576,085 |
The middle borrower at Moreno Valley College owes $6,625 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,625 |
| Students who withdrew | $6,250 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Moreno Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $9,000 |
| 90th percentile (highest-debt students) | $13,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Moreno Valley 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 Moreno Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 313 | $10,000 |
| Completed (graduates) | 30 | $14,047 |
| Did not complete | 283 | $9,666 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $167.03/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Moreno Valley 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 Moreno Valley College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.9% |
| Borrowers in the cohort | 1337 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,350 |
| Continuing-generation students | $7,182 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,000 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Moreno Valley 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
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.