by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Bernardino Valley College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at San Bernardino Valley College, 2% of incoming students take out a loan to help cover first-year costs, for an average of $2,292 per borrower, covering both private and federal loans.
The typical federal loan comes to $1,818, amounting to 33.1% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Looking at all undergraduates at San Bernardino Valley College, freshmen included, 1% rely on federal student loans toward their education, at an average of $3,551 in federal loans per year. That is 95.3% higher than the $1,818 typical freshmen borrow.
Borrowing at that rate every year works out to about $7,102 in two years and roughly $14,204 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 | 1% |
| Average federal loan per year | $3,551 |
| Undergraduates with a federal loan | 80 |
| Total federal loans (one year) | $284,046 |
Graduating and withdrawing students at San Bernardino Valley College carry a median federal debt of $3,938 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,938 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for San Bernardino Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $2,000 |
| 75th percentile | $3,500 |
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at San Bernardino Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 781 | $10,476 |
| Completed (graduates) | 51 | $10,573 |
| Did not complete | 730 | $10,459 |
On a standard 10-year plan, the median completing borrower would pay about $125.72/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 San Bernardino Valley College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 752 | $10,711 |
| No Stafford loan | 29 | $6,357 |
The indicators below describe what the typical debt costs to pay back at San Bernardino Valley 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 federal two-year cohort default rate for San Bernardino Valley College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.0% |
| Borrowers in the cohort | 175 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Subsidized and 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
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.