by our College Data Analytics TeamThis page focuses on the debt students take on to attend Redlands Community College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
At Redlands Community College specifically, 18% of incoming students take out a loan to help cover first-year costs, borrowing on average $6,106 per borrower, covering both private and federal loans.
On the federal side, the average loan is $6,106. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Redlands Community College, freshmen included, 14% use federal student loans to help pay for their education, with a mean of $5,954 in federal loans per year. That amounts to 2.5% lower than the $6,106 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $11,908 in two years and roughly $23,816 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 14% |
| Average federal loan per year | $5,954 |
| Undergraduates with a federal loan | 120 |
| Total federal loans (one year) | $714,467 |
Graduating and withdrawing students at Redlands Community College carry a median federal debt of $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who completed (graduates) | $6,750 |
| Students who withdrew | $4,400 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Redlands Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,250 |
| 75th percentile | $7,500 |
| 90th percentile (highest-debt students) | $12,778 |
How wide this percentile range is tells you how much borrowing varies across students at Redlands Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Redlands Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 63 | $9,907 |
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 Redlands Community College.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 19 | $8,125 |
| No Stafford loan this year | 44 | $11,761 |
These figures turn the debt totals into a monthly repayment picture for Redlands Community College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Redlands Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.6% |
| Borrowers in the cohort | 475 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $5,100 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,250 |
| Continuing-generation students | $6,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,475 |
| Independent students | $5,650 |
Federal data publishes the following gap measures for Redlands Community 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.
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.