by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Paradise Valley Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At Paradise Valley Community College specifically, 6% of incoming students take out a loan to help cover first-year costs, averaging $3,102 per borrower, covering both private and federal loans.
The typical federal loan comes to $3,102, equal to roughly 56.4% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Paradise Valley Community College, 10% take out federal student loans, with a mean of $3,701 each per year. That is 19.3% above the $3,102 freshmen take on.
Carrying that yearly figure forward comes to roughly $7,402 across two years and $14,804 over a four-year span. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $3,701 |
| Undergraduates with a federal loan | 381 |
| Total federal loans (one year) | $1,409,916 |
The median student at Paradise Valley Community College borrows $4,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,500 |
| Students who completed (graduates) | $6,995 |
| Students who withdrew | $4,175 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Paradise Valley Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,250 |
| 75th percentile | $9,128 |
| 90th percentile (highest-debt students) | $15,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Paradise Valley Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Paradise Valley Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 468 | $12,613 |
| Completed (graduates) | 44 | $10,098 |
| Did not complete | 424 | $12,786 |
On a standard 10-year plan, the median completing borrower would pay about $120.08/mo.
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 Paradise Valley Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 448 | $12,663 |
| No Stafford loan | 20 | $10,905 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 83 | $12,000 |
| No Stafford loan this year | 385 | $12,875 |
The indicators below describe what the typical debt costs to pay back at Paradise Valley Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Paradise Valley Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.9% |
| Borrowers in the cohort | 963 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,982 |
| Middle income | $4,000 |
| High income | $3,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $4,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $4,563 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Paradise Valley Community College.
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.
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.