by our College Data Analytics TeamThis page focuses on the debt students take on to attend West Coast University-Miami— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
Looking at the entering class at West Coast University-Miami, 60% of incoming undergraduates borrow in year one, at roughly $11,533 per student, private and federal loans combined.
The average federally funded loan is $5,500, equal to roughly 100.0% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at West Coast University-Miami, freshmen included, 89% finance part of their studies with federal loans, with a mean of $9,354 each per year. That is 70.1% larger than the $5,500 freshmen take on.
Borrowing the same amount each year would add up to roughly $18,708 by year two and around $37,416 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 89% |
| Average federal loan per year | $9,354 |
| Undergraduates with a federal loan | 799 |
| Total federal loans (one year) | $7,473,980 |
The median student at West Coast University-Miami borrows $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 |
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-Miami.
| 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-Miami.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for West Coast University-Miami.
| 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.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at West Coast University-Miami.
Borrowers With Any Stafford Loan
| 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-Miami.
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-Miami is shown 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.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $26,500 |
| Middle income | $24,145 |
| High income | $20,630 |
First-Gen vs Continuing-Gen Borrowing
| 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 |
Federal data publishes the following gap measures for West Coast University-Miami.
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.
Important to Remember
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.