by our College Data Analytics TeamHere you will find what students actually borrow to attend Shoreline Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at Shoreline Community College, 11% of incoming undergraduates borrow in year one, borrowing on average $8,725 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $6,481. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at Shoreline Community College, 6% borrow through federal student loan programs, with a mean of $6,480 a year. It comes to 0.0% lower than the $6,481 freshmen take on.
Borrowing at that rate every year works out to about $12,960 across two years and $25,920 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 | 6% |
| Average federal loan per year | $6,480 |
| Undergraduates with a federal loan | 190 |
| Total federal loans (one year) | $1,231,218 |
Graduating and withdrawing students at Shoreline Community College carry a median federal debt of $7,123 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,123 |
| Students who completed (graduates) | $12,021 |
| Students who withdrew | $6,250 |
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 Shoreline Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,150 |
| 75th percentile | $12,834 |
| 90th percentile (highest-debt students) | $20,035 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Shoreline Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Shoreline Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 445 | $18,000 |
| Completed (graduates) | 47 | $20,140 |
| Did not complete | 398 | $17,890 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $239.49/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Shoreline Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 430 | — |
| No Stafford loan | 15 | — |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 61 | $11,371 |
| No Stafford loan this year | 384 | $19,407 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Shoreline Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Shoreline Community College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.5% |
| Borrowers in the cohort | 734 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $7,715 |
| Middle income | $7,416 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,994 |
| Continuing-generation students | $8,355 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,136 |
| Independent students | $8,856 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Shoreline Community College.
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.
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.