by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Coast University-Los Angeles— 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.
Looking at the entering class at West Coast University - Los Angeles, 80% of new students use loans toward freshman-year expenses, borrowing on average $7,500 each — a figure that counts both private and federal student loans.
The average federal loan is $7,500. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
For undergraduates overall at West Coast University - Los Angeles, 88% use federal student loans to help pay for their education, for a typical $9,596 a year. That is 27.9% larger than the $7,500 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $19,192 after two years and $38,384 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 88% |
| Average federal loan per year | $9,596 |
| Undergraduates with a federal loan | 2,368 |
| Total federal loans (one year) | $22,722,411 |
Graduating and withdrawing students at West Coast University - Los Angeles carry a median federal debt of $24,145 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $24,145 |
| Students who completed (graduates) | $32,946 |
| Students who withdrew | $9,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for West Coast University - Los Angeles.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at West Coast University - Los Angeles.
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 - Los Angeles.
| 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.
Federal data lets us separate Stafford borrowers from the rest at West Coast University - Los Angeles.
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 |
The indicators below describe what the typical debt costs to pay back at West Coast University - Los Angeles.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for West Coast University - Los Angeles is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 1.0% |
| Borrowers in the cohort | 771 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,646 |
| Independent students | $29,822 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at West Coast University - Los Angeles.
Subsidized vs. 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.
Worth Knowing
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.