by our College Data Analytics TeamHere you will find what students actually borrow to attend Lemoore College— 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.
For incoming students at West Hills College-Lemoore, 0% of first-year students take on loan debt, borrowing on average $3,041 per student, private and federal loans combined.
The typical federal loan comes to $3,041, representing 55.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Be aware: the undergraduate-wide averages below exclude private loans, while this freshman number includes them.
Counting every undergraduate at West Hills College-Lemoore, 1% borrow through federal student loan programs, borrowing on average $6,350 per year. That is 108.8% larger than the freshman federal average of $3,041.
Carrying that yearly figure forward comes to roughly $12,700 after two years and $25,400 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $6,350 |
| Undergraduates with a federal loan | 41 |
| Total federal loans (one year) | $260,336 |
The median student at West Hills College-Lemoore borrows $7,480 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,480 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $6,860 |
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 Hills College-Lemoore.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $12,860 |
| 90th percentile (highest-debt students) | $22,750 |
How wide this percentile range is tells you how much borrowing varies across students at West Hills College-Lemoore.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at West Hills College-Lemoore.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 168 | $7,981 |
| Completed (graduates) | 35 | $6,000 |
| Did not complete | 133 | $8,744 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $71.35/mo.
The indicators below describe what the typical debt costs to pay back at West Hills College-Lemoore.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for West Hills College-Lemoore follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.6% |
| Borrowers in the cohort | 120 |
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 | $7,845 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,721 |
| Continuing-generation students | $4,555 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,000 |
| Independent students | $9,220 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at West Hills College-Lemoore.
Subsidized vs. 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
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.