by our College Data Analytics TeamThis page focuses on the debt students take on to attend West Coast University-Ontario, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At West Coast University - Ontario, 78% of incoming students take out a loan to help cover first-year costs, with a typical loan of $19,157 per borrower, covering both private and federal loans.
On the federal side, the average loan is $6,500. This is at or above the $5,500 first-year federal borrowing cap that applies to the 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 West Coast University - Ontario, 87% rely on federal student loans toward their education, borrowing on average $9,677 in federal loans per year. That amounts to 48.9% greater than the $6,500 borrowed by freshmen.
Borrowing at that rate every year works out to about $19,354 by year two and around $38,708 over four years. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 87% |
| Average federal loan per year | $9,677 |
| Undergraduates with a federal loan | 2,308 |
| Total federal loans (one year) | $22,334,526 |
The median student at West Coast University - Ontario borrows $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.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at West Coast University - Ontario.
| 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 - Ontario.
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 - Ontario.
| 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 - Ontario.
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 |
Repayment burden translates the debt figures into what a borrower actually pays each month. West Coast University - Ontario.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for West Coast University - Ontario 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.
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 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at West Coast University - Ontario.
The Difference Between Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
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.