by our College Data Analytics TeamBelow is federal data on the loans students use to pay for West Coast University-Orange County, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at West Coast University - Orange County, 100% of new students use loans toward freshman-year expenses, at roughly $26,282 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $5,750. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. 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 - Orange County (freshmen included), 84% take out federal student loans, for a typical $9,630 per year. It comes to 67.5% higher than the first-year federal average of $5,750.
At a steady annual pace, that totals around $19,260 by year two and around $38,520 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 84% |
| Average federal loan per year | $9,630 |
| Undergraduates with a federal loan | 2,656 |
| Total federal loans (one year) | $25,577,516 |
The median student at West Coast University - Orange County 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.
Half of all borrowers fall between the 25th and 75th percentiles shown below for West Coast University - Orange County.
| 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 - Orange County.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at West Coast University - Orange County.
| 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 - Orange County.
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 - Orange County.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for West Coast University - Orange County appears below.
| 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.
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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,646 |
| Independent students | $29,822 |
Federal data publishes the following gap measures for West Coast University - Orange County.
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.
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.