by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Diego Christian College, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at San Diego Christian, 0% of first-year students take on loan debt.
Across the full undergraduate body at San Diego Christian (freshmen included), 36% use federal student loans to help pay for their education, with a mean of $9,389 annually.
At a steady annual pace, that totals around $18,778 after two years and $37,556 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 36% |
| Average federal loan per year | $9,389 |
| Undergraduates with a federal loan | 28 |
| Total federal loans (one year) | $262,893 |
The middle borrower at San Diego Christian owes $13,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $13,000 |
| Students who completed (graduates) | $24,941 |
| Students who withdrew | $12,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 San Diego Christian.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $6,600 |
| 75th percentile | $27,437 |
| 90th percentile (highest-debt students) | $40,250 |
How wide this percentile range is tells you how much borrowing varies across students at San Diego Christian.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for San Diego Christian.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 91 | $28,713 |
The indicators below describe what the typical debt costs to pay back at San Diego Christian.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for San Diego Christian follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.6% |
| Borrowers in the cohort | 151 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,750 |
| Middle income | $12,500 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $12,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $16,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at San Diego Christian.
The Difference Between 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.
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.