by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Pacific College of Health and Science, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Pacific College San Diego, 35% of incoming undergraduates borrow in year one, averaging $3,909 each — a figure that counts both private and federal student loans.
Federal loans alone average $3,909, or about 71.1% of the typical first-year dependent student borrowing cap of $5,500. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at Pacific College San Diego, freshmen included, 45% use federal student loans to help pay for their education, averaging $4,062 per year. That is 3.9% greater than the $3,909 freshmen take on.
Borrowing at that rate every year works out to about $8,124 in two years and roughly $16,248 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 45% |
| Average federal loan per year | $4,062 |
| Undergraduates with a federal loan | 84 |
| Total federal loans (one year) | $341,246 |
The median student at Pacific College San Diego borrows $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $12,271 |
| Students who withdrew | $6,250 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Pacific College San Diego.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,800 |
| 25th percentile | $6,250 |
| 75th percentile | $20,500 |
| 90th percentile (highest-debt students) | $29,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Pacific College San Diego.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pacific College San Diego.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 150 | $11,839 |
| Completed (graduates) | 106 | $11,634 |
| Did not complete | 44 | $13,347 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $138.34/mo.
Federal data lets us separate Stafford borrowers from the rest at Pacific College San Diego.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 132 | — |
| No Stafford loan this year | 18 | — |
These figures turn the debt totals into a monthly repayment picture for Pacific College San Diego.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Pacific College San Diego is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.8% |
| Borrowers in the cohort | 377 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $7,104 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,104 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Pacific College San Diego.
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?
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.