by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Ventura Adult and Continuing Education— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Ventura Adult and Continuing Education, 13% of freshmen borrow to help pay for their first year, borrowing on average $5,435 per borrower, covering both private and federal loans.
The average federally funded loan is $5,435, or about 98.8% of the typical first-year dependent student borrowing cap of $5,500. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at Ventura Adult and Continuing Education (freshmen included), 7% finance part of their studies with federal loans, averaging $5,315 annually. This works out to 2.2% under the $5,435 borrowed by freshmen.
At a steady annual pace, that totals around $10,630 across two years and $21,260 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 7% |
| Average federal loan per year | $5,315 |
| Undergraduates with a federal loan | 11 |
| Total federal loans (one year) | $58,466 |
The middle borrower at Ventura Adult and Continuing Education owes $3,920 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,920 |
| Students who completed (graduates) | $3,920 |
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ventura Adult and Continuing Education.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $2,249 |
| 75th percentile | $9,135 |
These figures turn the debt totals into a monthly repayment picture for Ventura Adult and Continuing Education.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Ventura Adult and Continuing Education is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 35.7% |
| Borrowers in the cohort | 42 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $3,500 |
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
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.