by our College Data Analytics TeamHere you will find what students actually borrow to attend Ohlone College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Ohlone College, 0% of first-year students take on loan debt, borrowing on average $6,000 per borrower, covering both private and federal loans.
The average federal loan is $6,000. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at Ohlone College, 1% borrow through federal student loan programs, for a typical $7,471 annually. It comes to 24.5% above the $6,000 typical freshmen borrow.
Borrowing at that rate every year works out to about $14,942 over two years and about $29,884 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $7,471 |
| Undergraduates with a federal loan | 40 |
| Total federal loans (one year) | $298,842 |
The median student at Ohlone College borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who withdrew | $9,000 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ohlone College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $3,750 |
| 75th percentile | $13,875 |
| 90th percentile (highest-debt students) | $20,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Ohlone College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ohlone College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 318 | $16,400 |
| Completed (graduates) | 39 | $16,562 |
| Did not complete | 279 | $16,250 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $196.94/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Ohlone College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 304 | — |
| No Stafford loan | 14 | — |
The indicators below describe what the typical debt costs to pay back at Ohlone College.
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 Ohlone College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.7% |
| Borrowers in the cohort | 167 |
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 | $9,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Ohlone 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
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.