by our College Data Analytics TeamThis page focuses on the debt students take on to attend Napa Valley College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Napa Valley College, 0% of new students use loans toward freshman-year expenses, for an average of $5,500 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $5,500, which is 100.0% of the $5,500 cap on first-year federal borrowing for the 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 Napa Valley College, 1% finance part of their studies with federal loans, borrowing on average $6,945 annually. This works out to 26.3% above the first-year federal average of $5,500.
At a steady annual pace, that totals around $13,890 in two years and roughly $27,780 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 | $6,945 |
| Undergraduates with a federal loan | 24 |
| Total federal loans (one year) | $166,684 |
Graduating and withdrawing students at Napa Valley College carry a median federal debt of $9,371 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,371 |
| Students who completed (graduates) | $10,147 |
| Students who withdrew | $9,133 |
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 Napa Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,500 |
| 25th percentile | $3,597 |
| 75th percentile | $12,569 |
| 90th percentile (highest-debt students) | $19,500 |
How wide this percentile range is tells you how much borrowing varies across students at Napa 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 Napa Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 240 | $17,680 |
| Completed (graduates) | 23 | $10,000 |
| Did not complete | 217 | $18,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $118.91/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 Napa Valley College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 221 | $18,000 |
| No Stafford loan | 19 | $9,454 |
The indicators below describe what the typical debt costs to pay back at Napa Valley College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for Napa Valley College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.7% |
| Borrowers in the cohort | 116 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,187 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,396 |
| Continuing-generation students | $7,176 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Napa Valley College.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.