by our College Data Analytics TeamThis page focuses on the debt students take on to attend Pacific Rim Christian University, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Pacific Rim Christian University, 33% of incoming undergraduates borrow in year one, at roughly $1,605 per student, private and federal loans combined.
Federal loans alone average $1,605, amounting to 29.2% 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.
Among all degree-seeking undergrads at Pacific Rim Christian University, 46% borrow through federal student loan programs, for a typical $6,226 annually. This works out to 287.9% above the $1,605 borrowed by freshmen.
Borrowing at that rate every year works out to about $12,452 in two years and roughly $24,904 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $6,226 |
| Undergraduates with a federal loan | 52 |
| Total federal loans (one year) | $323,744 |
Graduating and withdrawing students at Pacific Rim Christian University carry a median federal debt of $13,616 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,616 |
These figures turn the debt totals into a monthly repayment picture for Pacific Rim Christian University.
Subsidized vs. 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.
Important to Remember
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.