by our College Data Analytics TeamHere you will find what students actually borrow to attend San Jose City College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Among first-year students at San Jose City College, 0% of first-year students take on loan debt, with a typical loan of $4,750 apiece. This figure includes both private and federally funded student loans.
The average federally funded loan is $4,750, or about 86.4% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
For undergraduates overall at San Jose City College, 1% rely on federal student loans toward their education, at an average of $6,619 a year. It comes to 39.3% greater than the first-year federal average of $4,750.
At a steady annual pace, that totals around $13,238 after two years and $26,476 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $6,619 |
| Undergraduates with a federal loan | 49 |
| Total federal loans (one year) | $324,312 |
The middle borrower at San Jose City College owes $5,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,500 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for San Jose City College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,250 |
| 75th percentile | $11,313 |
| 90th percentile (highest-debt students) | $19,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at San Jose City College.
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 Jose City College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 397 | $12,900 |
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 Jose City College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 376 | $12,862 |
| No Stafford loan | 21 | $14,389 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 11 | — |
| No Stafford loan this year | 386 | — |
The indicators below describe what the typical debt costs to pay back at San Jose City College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for San Jose City College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.7% |
| Borrowers in the cohort | 162 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $5,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,850 |
| Continuing-generation students | $4,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $5,833 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at San Jose City College.
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.
Did You Know?
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.