by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Joaquin Valley College-Trades Education Center— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at San Joaquin Valley College-Trades Education Center, 70% of new students use loans toward freshman-year expenses, for an average of $8,204 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $7,681. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
For undergraduates overall at San Joaquin Valley College-Trades Education Center, 63% rely on federal student loans toward their education, with a mean of $6,403 annually. That amounts to 16.6% under the $7,681 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $12,806 over two years and about $25,612 across a four-year program. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 63% |
| Average federal loan per year | $6,403 |
| Undergraduates with a federal loan | 309 |
| Total federal loans (one year) | $1,978,526 |
The middle borrower at San Joaquin Valley College-Trades Education Center owes $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 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for San Joaquin Valley College-Trades Education Center.
| 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-Trades Education Center.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at San Joaquin Valley College-Trades Education Center.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at San Joaquin Valley College-Trades Education Center.
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 |
The indicators below describe what the typical debt costs to pay back at San Joaquin Valley College-Trades Education Center.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for San Joaquin Valley College-Trades Education Center 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.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,667 |
| Independent students | $10,550 |
Federal data publishes the following gap measures for San Joaquin Valley College-Trades Education Center.
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.
Important to Remember
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.