by our College Data Analytics TeamHere you will find what students actually borrow to attend San Jacinto Community 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 Jacinto College, 2% of new students use loans toward freshman-year expenses, borrowing on average $6,395 each — a figure that counts both private and federal student loans.
The average federally funded loan is $6,239. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Across the full undergraduate body at San Jacinto College (freshmen included), 3% rely on federal student loans toward their education, borrowing on average $6,137 each per year. It comes to 1.6% under the freshman federal average of $6,239.
Borrowing at that rate every year works out to about $12,274 in two years and roughly $24,548 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 3% |
| Average federal loan per year | $6,137 |
| Undergraduates with a federal loan | 604 |
| Total federal loans (one year) | $3,706,828 |
The middle borrower at San Jacinto College owes $5,750 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,750 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $5,250 |
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 Jacinto College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,541 |
| 25th percentile | $2,750 |
| 75th percentile | $10,750 |
| 90th percentile (highest-debt students) | $20,244 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at San Jacinto College.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at San Jacinto College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1135 | $12,000 |
| Completed (graduates) | 235 | $10,000 |
| Did not complete | 900 | $12,800 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $118.91/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 Jacinto College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1085 | $12,108 |
| No Stafford loan | 50 | $9,596 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 102 | $10,193 |
| No Stafford loan this year | 1033 | $12,265 |
The indicators below describe what the typical debt costs to pay back at San Jacinto College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for San Jacinto College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 9.2% |
| Borrowers in the cohort | 1168 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,750 |
| Middle income | $5,500 |
| High income | $5,158 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,250 |
| Continuing-generation students | $5,350 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,000 |
| Independent students | $9,250 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at San Jacinto 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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.