by our College Data Analytics TeamHere you will find what students actually borrow to attend Yuba College— 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 Yuba College, 1% of new students use loans toward freshman-year expenses, borrowing on average $8,083 per borrower, covering both private and federal loans.
The average federal loan is $8,083. That is at or past the $5,500 federal first-year limit for the typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Yuba College, 1% finance part of their studies with federal loans, averaging $8,004 in federal loans per year. This works out to 1.0% below the $8,083 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $16,008 by year two and around $32,016 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 | 1% |
| Average federal loan per year | $8,004 |
| Undergraduates with a federal loan | 51 |
| Total federal loans (one year) | $408,209 |
The median student at Yuba College borrows $6,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,000 |
| Students who withdrew | $6,000 |
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 Yuba College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,562 |
| 75th percentile | $5,496 |
| 90th percentile (highest-debt students) | $12,750 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Yuba College.
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 Yuba College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 237 | $10,078 |
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Yuba College.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 224 | — |
| No Stafford loan | 13 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Yuba College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Yuba College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 29.3% |
| Borrowers in the cohort | 286 |
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.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $7,137 |
Federal data publishes the following gap measures for Yuba College.
The Difference Between Subsidized and 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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.