by our College Data Analytics TeamHere you will find what students actually borrow to attend Ventura 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 Ventura College, 0% of freshmen borrow to help pay for their first year, for an average of $3,959 per student, private and federal loans combined.
Federal loans alone average $3,959, or about 72.0% of the $5,500 federal limit that applies to a typical first-year dependent borrower. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Among all degree-seeking undergrads at Ventura College, 1% rely on federal student loans toward their education, with a mean of $6,176 a year. That amounts to 56.0% larger than the first-year federal average of $3,959.
Borrowing at that rate every year works out to about $12,352 by year two and around $24,704 across a four-year program. 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 | $6,176 |
| Undergraduates with a federal loan | 86 |
| Total federal loans (one year) | $531,116 |
Graduating and withdrawing students at Ventura College carry a median federal debt of $6,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,500 |
| Students who completed (graduates) | $13,876 |
| Students who withdrew | $6,125 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Ventura College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $12,767 |
| 90th percentile (highest-debt students) | $21,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Ventura College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Ventura College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 574 | $15,749 |
| Completed (graduates) | 29 | $14,371 |
| Did not complete | 545 | $15,769 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $170.89/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 Ventura College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 543 | $15,840 |
| No Stafford loan | 31 | $15,000 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 21 | $10,420 |
| No Stafford loan this year | 553 | $15,900 |
The indicators below describe what the typical debt costs to pay back at Ventura 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 Ventura College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.4% |
| Borrowers in the cohort | 319 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,000 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,500 |
| Continuing-generation students | $6,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,075 |
| Independent students | $9,399 |
Federal data publishes the following gap measures for Ventura 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?
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.