by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Coast University-Center for Graduate Studies: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Graduating and withdrawing students at West Coast University-Center for Graduate Studies carry a median federal debt of $24,145 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,145 |
| Students who completed (graduates) | $32,946 |
| Students who withdrew | $9,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 West Coast University-Center for Graduate Studies.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,250 |
| 25th percentile | $13,268 |
| 75th percentile | $35,500 |
| 90th percentile (highest-debt students) | $41,834 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at West Coast University-Center for Graduate Studies.
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 West Coast University-Center for Graduate Studies.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2419 | $31,460 |
| Completed (graduates) | 1563 | $41,520 |
| Did not complete | 856 | $21,140 |
On a standard 10-year plan, the median completing borrower would pay about $493.72/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 West Coast University-Center for Graduate Studies.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2392 | $31,944 |
| No Stafford loan | 27 | $8,680 |
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2320 | $32,311 |
| No Stafford loan this year | 99 | $11,049 |
The indicators below describe what the typical debt costs to pay back at West Coast University-Center for Graduate Studies.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for West Coast University-Center for Graduate Studies follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.0% |
| Borrowers in the cohort | 771 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $26,500 |
| Middle income | $24,145 |
| High income | $20,630 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,427 |
| Continuing-generation students | $23,687 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,646 |
| Independent students | $29,822 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Coast University-Center for Graduate Studies.
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.
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.