by our College Data Analytics TeamThis page focuses on the debt students take on to attend Valor Christian College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
Among first-year students at Valor Christian College, 89% of incoming students take out a loan to help cover first-year costs, at roughly $9,531 each, across private and federal loan sources.
Federal loans alone average $9,531. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at Valor Christian College, 71% finance part of their studies with federal loans, for a typical $9,759 per year. This is 2.4% above the $9,531 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $19,518 over two years and about $39,036 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 71% |
| Average federal loan per year | $9,759 |
| Undergraduates with a federal loan | 249 |
| Total federal loans (one year) | $2,429,877 |
The median student at Valor Christian College borrows $12,270 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,270 |
| Students who completed (graduates) | $15,250 |
| Students who withdrew | $8,250 |
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 Valor Christian College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,588 |
| 25th percentile | $4,750 |
| 75th percentile | $14,250 |
| 90th percentile (highest-debt students) | $20,000 |
How wide this percentile range is tells you how much borrowing varies across students at Valor Christian College.
The indicators below describe what the typical debt costs to pay back at Valor Christian College.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,000 |
| Middle income | $12,452 |
| High income | $9,432 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,945 |
| Continuing-generation students | $10,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,000 |
| Independent students | $17,025 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Valor Christian 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?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.