by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Victor Valley College, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Victor Valley College, 0% of freshmen borrow to help pay for their first year, at roughly $4,083 each, across private and federal loan sources.
The average federal loan is $4,083, which is 74.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at Victor Valley College, 0% rely on federal student loans toward their education, at an average of $4,083 each per year.
Borrowing the same amount each year would add up to roughly $8,166 by year two and around $16,332 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 0% |
| Average federal loan per year | $4,083 |
| Undergraduates with a federal loan | 3 |
| Total federal loans (one year) | $12,250 |
The median student at Victor Valley College borrows $7,500 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,500 |
| Students who withdrew | $6,625 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Victor Valley College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $3,000 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $17,750 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Victor Valley 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 Victor Valley College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 391 | $10,112 |
| Completed (graduates) | 49 | $8,481 |
| Did not complete | 342 | $10,669 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $100.85/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 Victor Valley College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 371 | $10,665 |
| No Stafford loan | 20 | $4,261 |
These figures turn the debt totals into a monthly repayment picture for Victor Valley 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 Victor Valley College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 17.4% |
| Borrowers in the cohort | 849 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $3,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Victor Valley 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.
Important to Remember
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.