by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pacific College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at Pacific College, 26% of incoming students take out a loan to help cover first-year costs, with a typical loan of $4,840 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,840, which is 88.0% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at Pacific College, freshmen included, 44% take out federal student loans, borrowing on average $8,822 a year. That amounts to 82.3% larger than the freshman federal average of $4,840.
Carrying that yearly figure forward comes to roughly $17,644 in two years and roughly $35,288 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $8,822 |
| Undergraduates with a federal loan | 193 |
| Total federal loans (one year) | $1,702,677 |
Graduating and withdrawing students at Pacific College carry a median federal debt of $20,869 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,869 |
| Students who completed (graduates) | $22,469 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Pacific College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,500 |
| 75th percentile | $20,000 |
| 90th percentile (highest-debt students) | $25,949 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Pacific College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Pacific College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 38 | $5,360 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Pacific 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 Pacific College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.0% |
| Borrowers in the cohort | 231 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $20,000 |
| Middle income | $21,469 |
| High income | $25,125 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,386 |
| Independent students | $22,466 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Pacific College.
Subsidized vs. 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.
Worth Knowing
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.