by our College Data Analytics TeamHere you will find what students actually borrow to attend Pacific Oaks College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Looking at all undergraduates at Pacific Oaks College, freshmen included, 74% borrow through federal student loan programs, borrowing on average $12,165 each per year.
Carrying that yearly figure forward comes to roughly $24,330 by year two and around $48,660 after four. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $12,165 |
| Undergraduates with a federal loan | 257 |
| Total federal loans (one year) | $3,126,406 |
The middle borrower at Pacific Oaks College owes $23,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $23,500 |
| Students who completed (graduates) | $29,105 |
| Students who withdrew | $12,500 |
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 Oaks College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $11,250 |
| 75th percentile | $26,250 |
| 90th percentile (highest-debt students) | $32,500 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Pacific Oaks 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 Pacific Oaks College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 98 | $10,412 |
| Completed (graduates) | 59 | $12,485 |
| Did not complete | 39 | $6,719 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $148.46/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Pacific Oaks College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 80 | — |
| No Stafford loan this year | 18 | — |
These figures turn the debt totals into a monthly repayment picture for Pacific Oaks College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for Pacific Oaks College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 6.0% |
| Borrowers in the cohort | 200 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
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 | $23,570 |
| Middle income | $21,976 |
| High income | $25,032 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,164 |
| Continuing-generation students | $17,677 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,375 |
| Independent students | $24,507 |
Federal data publishes the following gap measures for Pacific Oaks College.
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.
Did You Know?
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.