by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Mt San Jacinto Community College District, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at MSJC, 1% of incoming students take out a loan to help cover first-year costs, for an average of $5,835 each — a figure that counts both private and federal student loans.
Federal loans alone average $5,835. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. 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 MSJC, 1% finance part of their studies with federal loans, with a mean of $7,471 per year. This is 28.0% more than the first-year federal average of $5,835.
Borrowing the same amount each year would add up to roughly $14,942 over two years and about $29,884 over four years. 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 | $7,471 |
| Undergraduates with a federal loan | 154 |
| Total federal loans (one year) | $1,150,556 |
Graduating and withdrawing students at MSJC carry a median federal debt of $7,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,000 |
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for MSJC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,832 |
| 25th percentile | $3,296 |
| 75th percentile | $7,815 |
| 90th percentile (highest-debt students) | $16,588 |
How wide this percentile range is tells you how much borrowing varies across students at MSJC.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at MSJC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 858 | $12,351 |
| Completed (graduates) | 78 | $15,736 |
| Did not complete | 780 | $12,201 |
On a standard 10-year plan, the median completing borrower would pay about $187.12/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 MSJC.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 819 | $12,563 |
| No Stafford loan | 39 | $8,955 |
Repayment burden translates the debt figures into what a borrower actually pays each month. MSJC.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for MSJC is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 22.0% |
| Borrowers in the cohort | 590 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,760 |
| Independent students | $8,610 |
Subsidized vs. 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.
Did You Know?
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.