by our College Data Analytics TeamHere you will find what students actually borrow to attend West Coast University-Texas, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At West Coast University - Dallas, 67% of incoming students take out a loan to help cover first-year costs, for an average of $7,442 per student, private and federal loans combined.
Federal loans alone average $5,000, amounting to 90.9% 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.
Across the full undergraduate body at West Coast University - Dallas (freshmen included), 78% borrow through federal student loan programs, with a mean of $9,484 a year. That is 89.7% more than the $5,000 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $18,968 by year two and around $37,936 across a four-year program. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 78% |
| Average federal loan per year | $9,484 |
| Undergraduates with a federal loan | 793 |
| Total federal loans (one year) | $7,521,007 |
The median student at West Coast University - Dallas borrows $24,145 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,145 |
| Students who completed (graduates) | $32,946 |
| Students who withdrew | $9,500 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for West Coast University - Dallas.
| 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 |
How wide this percentile range is tells you how much borrowing varies across students at West Coast University - Dallas.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for West Coast University - Dallas.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 2419 | $31,460 |
| Completed (graduates) | 1563 | $41,520 |
| Did not complete | 856 | $21,140 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $493.72/mo.
Federal data lets us separate Stafford borrowers from the rest at West Coast University - Dallas.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 2392 | $31,944 |
| No Stafford loan | 27 | $8,680 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 2320 | $32,311 |
| No Stafford loan this year | 99 | $11,049 |
Repayment burden translates the debt figures into what a borrower actually pays each month. West Coast University - Dallas.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for West Coast University - Dallas appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.0% |
| Borrowers in the cohort | 771 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $26,500 |
| Middle income | $24,145 |
| High income | $20,630 |
By First-Generation Status
| 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 - Dallas.
Subsidized and 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.
Worth Knowing
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.