by our College Data Analytics TeamThis page focuses on the debt students take on to attend San Joaquin Valley College-Visalia— 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.
At San Joaquin Valley College-Visalia, 89% of incoming students take out a loan to help cover first-year costs, with a typical loan of $8,096 per borrower, covering both private and federal loans.
The average federally funded loan is $7,872. This reaches or tops the $5,500 first-year federal borrowing cap 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.
For undergraduates overall at San Joaquin Valley College-Visalia, 62% take out federal student loans, borrowing on average $7,454 each per year. That is 5.3% less than the $7,872 freshmen take on.
Borrowing at that rate every year works out to about $14,908 over two years and about $29,816 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 | 62% |
| Average federal loan per year | $7,454 |
| Undergraduates with a federal loan | 2,209 |
| Total federal loans (one year) | $16,464,828 |
The median student at San Joaquin Valley College-Visalia 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 |
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-Visalia.
| 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-Visalia.
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-Visalia.
| 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-Visalia.
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. San Joaquin Valley College-Visalia.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for San Joaquin Valley College-Visalia is shown 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.
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 |
Federal data publishes the following gap measures for San Joaquin Valley College-Visalia.
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.
Did You Know?
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.