by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Joaquin Valley College-Rancho Cordova: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At San Joaquin Valley College-Rancho Cordova, 67% of freshmen borrow to help pay for their first year, borrowing on average $12,696 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $8,000. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at San Joaquin Valley College-Rancho Cordova, 73% use federal student loans to help pay for their education, averaging $8,672 a year. This works out to 8.4% greater than the $8,000 typical freshmen borrow.
Repeating that yearly amount projects to about $17,344 over two years and about $34,688 after four. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 73% |
| Average federal loan per year | $8,672 |
| Undergraduates with a federal loan | 227 |
| Total federal loans (one year) | $1,968,641 |
The median student at San Joaquin Valley College-Rancho Cordova borrows $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 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at San Joaquin Valley College-Rancho Cordova.
| 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 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at San Joaquin Valley College-Rancho Cordova.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for San Joaquin Valley College-Rancho Cordova.
| 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-Rancho Cordova.
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 |
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. San Joaquin Valley College-Rancho Cordova.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for San Joaquin Valley College-Rancho Cordova 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,118 |
| Middle income | $9,500 |
| High income | $9,500 |
First-Generation Comparison
| 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-Rancho Cordova.
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
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.