by our College Data Analytics TeamHere you will find what students actually borrow to attend Oxnard College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At Oxnard College specifically, 0% of first-year students take on loan debt, averaging $7,422 each, across private and federal loan sources.
Federal loans alone average $7,422. 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.
Across the full undergraduate body at Oxnard College (freshmen included), 1% take out federal student loans, borrowing on average $6,841 each per year. That is 7.8% smaller than the $7,422 freshmen take on.
Repeating that yearly amount projects to about $13,682 over two years and about $27,364 over a four-year span. 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 | $6,841 |
| Undergraduates with a federal loan | 45 |
| Total federal loans (one year) | $307,830 |
The median student at Oxnard College borrows $7,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,500 |
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Oxnard College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 244 | $12,731 |
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 Oxnard College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 230 | — |
| No Stafford loan | 14 | — |
These figures turn the debt totals into a monthly repayment picture for Oxnard College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Oxnard College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 0 |
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 | $7,500 |
Federal data publishes the following gap measures for Oxnard College.
The Difference Between Subsidized and 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.