by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Joaquin Valley College-Rancho Mirage: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At San Joaquin Valley College-Rancho Mirage, 89% of incoming undergraduates borrow in year one, averaging $8,254 each — a figure that counts both private and federal student loans.
The typical federal loan comes to $8,013. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at San Joaquin Valley College-Rancho Mirage, 74% use federal student loans to help pay for their education, borrowing on average $7,763 per year. This works out to 3.1% below the $8,013 borrowed by freshmen.
Borrowing the same amount each year would add up to roughly $15,526 across two years and $31,052 by the fourth year. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 74% |
| Average federal loan per year | $7,763 |
| Undergraduates with a federal loan | 280 |
| Total federal loans (one year) | $2,173,613 |
The median student at San Joaquin Valley College-Rancho Mirage borrows $9,773 of cumulative federal debt.
| 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Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for San Joaquin Valley College-Rancho Mirage.
| 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 Mirage.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at San Joaquin Valley College-Rancho Mirage.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1813 | $6,811 |
| Completed (graduates) | 1324 | $7,571 |
| Did not complete | 489 | $4,639 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of 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 Mirage.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1750 | $6,991 |
| No Stafford loan | 63 | $2,635 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1668 | $6,981 |
| No Stafford loan this year | 145 | $4,589 |
The indicators below describe what the typical debt costs to pay back at San Joaquin Valley College-Rancho Mirage.
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 Mirage appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 18.6% |
| Borrowers in the cohort | 4952 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| 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-Rancho Mirage.
The Difference Between 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.
Important to Remember
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.