by our College Data Analytics TeamHere you will find what students actually borrow to attend San Diego Miramar College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
At San Diego Miramar College, 1% of first-year students take on loan debt, averaging $9,723 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $3,464, which is 63.0% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at San Diego Miramar College, 1% borrow through federal student loan programs, averaging $5,754 in federal loans per year. That is 66.1% larger than the first-year federal average of $3,464.
At a steady annual pace, that totals around $11,508 by year two and around $23,016 across a four-year program. 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 | $5,754 |
| Undergraduates with a federal loan | 76 |
| Total federal loans (one year) | $437,289 |
Graduating and withdrawing students at San Diego Miramar College carry a median federal debt of $4,239 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,239 |
| Students who completed (graduates) | $6,750 |
| Students who withdrew | $3,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for San Diego Miramar College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,250 |
| 75th percentile | $4,500 |
| 90th percentile (highest-debt students) | $9,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at San Diego Miramar College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for San Diego Miramar College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 856 | $17,703 |
| Completed (graduates) | 76 | $17,629 |
| Did not complete | 780 | $17,703 |
On a standard 10-year plan, the median completing borrower would pay about $209.63/mo.
Federal data lets us separate Stafford borrowers from the rest at San Diego Miramar College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 815 | $17,759 |
| No Stafford loan | 41 | $14,000 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 15 | — |
| No Stafford loan this year | 841 | — |
These figures turn the debt totals into a monthly repayment picture for San Diego Miramar College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for San Diego Miramar College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.4% |
| Borrowers in the cohort | 208 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $4,000 |
| High income | $3,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $3,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $4,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at San Diego Miramar 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.
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.