by our College Data Analytics TeamHere you will find what students actually borrow to attend San Joaquin Valley College-Temecula— 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-Temecula, 79% of freshmen borrow to help pay for their first year, with a typical loan of $7,946 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $7,427. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
For undergraduates overall at San Joaquin Valley College-Temecula, 64% finance part of their studies with federal loans, with a mean of $6,641 in federal loans per year. It comes to 10.6% smaller than the $7,427 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $13,282 after two years and $26,564 over a four-year span. 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 | $6,641 |
| Undergraduates with a federal loan | 667 |
| Total federal loans (one year) | $4,429,494 |
Graduating and withdrawing students at San Joaquin Valley College-Temecula carry a median federal debt of $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-Temecula.
| 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 gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at San Joaquin Valley College-Temecula.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at San Joaquin Valley College-Temecula.
| 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.
Federal data lets us separate Stafford borrowers from the rest at San Joaquin Valley College-Temecula.
Any-Stafford Borrowers
| 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 |
These figures turn the debt totals into a monthly repayment picture for San Joaquin Valley College-Temecula.
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 Joaquin Valley College-Temecula appears below.
| 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 |
Federal data publishes the following gap measures for San Joaquin Valley College-Temecula.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
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.