by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Joaquin Valley College-Delano, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at San Joaquin Valley College-Delano, 92% of incoming students take out a loan to help cover first-year costs, averaging $7,723 per student, private and federal loans combined.
On the federal side, the average loan is $7,723. This reaches or tops the $5,500 first-year federal borrowing cap for a 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 Joaquin Valley College-Delano, 85% rely on federal student loans toward their education, for a typical $5,359 annually. It comes to 30.6% below the freshman federal average of $7,723.
Borrowing at that rate every year works out to about $10,718 across two years and $21,436 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 85% |
| Average federal loan per year | $5,359 |
| Undergraduates with a federal loan | 109 |
| Total federal loans (one year) | $584,137 |
The median student at San Joaquin Valley College-Delano borrows $9,773 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,773 |
| Students who completed (graduates) | $10,674 |
| Students who withdrew | $4,750 |
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 Joaquin Valley College-Delano.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,920 |
| 25th percentile | $9,474 |
| 75th percentile | $19,977 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at San Joaquin Valley College-Delano.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for San Joaquin Valley College-Delano.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1813 | $6,811 |
| Completed (graduates) | 1324 | $7,571 |
| Did not complete | 489 | $4,639 |
On a standard 10-year plan, the median completing borrower would pay about $90.03/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 Joaquin Valley College-Delano.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1750 | $6,991 |
| No Stafford loan | 63 | $2,635 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1668 | $6,981 |
| No Stafford loan this year | 145 | $4,589 |
These figures turn the debt totals into a monthly repayment picture for San Joaquin Valley College-Delano.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for San Joaquin Valley College-Delano is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.6% |
| Borrowers in the cohort | 4952 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $10,118 |
| Middle income | $9,500 |
| High income | $9,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,699 |
| Continuing-generation students | $10,574 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $10,550 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at San Joaquin Valley College-Delano.
Subsidized vs. 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.