by our College Data Analytics TeamBelow is federal data on the loans students use to pay for San Joaquin Valley College-Ontario— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at San Joaquin Valley College-Ontario, 80% of freshmen borrow to help pay for their first year, with a typical loan of $8,162 per student, private and federal loans combined.
On the federal side, the average loan is $7,583. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at San Joaquin Valley College-Ontario, 64% rely on federal student loans toward their education, with a mean of $7,005 annually. That amounts to 7.6% less than the first-year federal average of $7,583.
Borrowing at that rate every year works out to about $14,010 over two years and about $28,020 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 64% |
| Average federal loan per year | $7,005 |
| Undergraduates with a federal loan | 909 |
| Total federal loans (one year) | $6,367,628 |
Graduating and withdrawing students at San Joaquin Valley College-Ontario carry a median federal debt of $9,773 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,773 |
| Students who completed (graduates) | $10,674 |
| Students who withdrew | $4,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at San Joaquin Valley College-Ontario.
| 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-Ontario.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at San Joaquin Valley College-Ontario.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1813 | $6,811 |
| Completed (graduates) | 1324 | $7,571 |
| Did not complete | 489 | $4,639 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $90.03/mo.
Federal data lets us separate Stafford borrowers from the rest at San Joaquin Valley College-Ontario.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1750 | $6,991 |
| No Stafford loan | 63 | $2,635 |
Current-Year Stafford Borrowers
| 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-Ontario.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for San Joaquin Valley College-Ontario follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.6% |
| Borrowers in the cohort | 4952 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| 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 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $10,550 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at San Joaquin Valley College-Ontario.
Subsidized vs. 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.
Did You Know?
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.