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Compares borrowing rates and average amounts across public, private non-profit, and for-profit sectors, highlighting major differences for associate and bachelor’s degrees. Examines how Pell Grant receipt relates to borrowing patterns and concludes with policy recommendations to expand need-based aid and strengthen borrower protections. TICAS calculations use College Scorecard data.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/californias-undergraduate-student-loan-borrowing-landscape-insights-on-undergraduate-federal-student-loan-debt-2018-19-2019-20/585188/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/californias-undergraduate-student-loan-borrowing-landscape-insights-on-undergraduate-federal-student-loan-debt-2018-19-2019-20/585188.png","ImageObject",300,407,{"name":92,"@type":93},"Maya Linwood","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-11","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What data source and cohort does the fact sheet use?","Question",{"text":112,"@type":113},"It uses TICAS calculations based on the U.S. Department of Education’s College Scorecard. Estimates are weighted averages for a pooled cohort of students who graduated in 2018-19 and 2019-2020.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How do borrowing rates for associate degree graduates differ by institution sector in California?",{"text":117,"@type":113},"California associate degree graduates attending public colleges borrow at a far lower rate and amount ($12,800) than those attending private non-profit ($21,000) and for-profit ($21,100) colleges.",{"name":119,"@type":110,"acceptedAnswer":120},"What policy recommendations does the fact sheet provide?",{"text":121,"@type":113},"It recommends expanding need-based financial aid (e.g., more funding for Cal Grant) and enhancing state-level borrower protections, including consumer protections and safeguards for eligible short-term programs.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},585188,1792900289,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":39,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":14,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":24,"preview_page_count":4},962084928432,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","California’s Undergraduate Student Loan Borrowing Landscape:  \nInsights on undergraduate federal student loan debt from a 2018-19 & 2019-20 pooled cohort  \nThis fact sheet provides a snapshot of student loan debt for California students across undergraduate degree levels and recommendations for policymakers. Given recent federal actions complicating college affordability for students1, California policymakers, students, and consumers must understand student loan debt burdens affecting Californians and explore ways to reduce reliance on debt-financed higher education at our public colleges.  \nBorrowing Rates by Sector for Associate Degree Graduates  \nFor-profit  \nPrivate non-profit  \nPublic  \nSource: Calculations by TICAS using data from the U.S. Department of Education's College Scorecard. Estimates represent weighted averages of federal student loan debt for a pooled cohort of students who graduated in 2018-19 and 2019-2020. Note: Debt figures for most associate degree programs in California are privacy-suppressed; interpret with caution. Larger programs like Allied Health, Registered Nursing, and General Studies are overrepresented among the programs with data available.  \nCalifornia associate degree graduates that attended public colleges borrow at a far lower rate and amount ($12,800) than those who attended private non-profit ($21,000) and for-profit ($21,100) colleges. Borrowing rates among associate degree earners at public institutions are also significantly lower in California than nationally (4% vs. 23%) .  \nCalifornia’s bachelor's degree graduates from public institutions not only borrow a lower amount than the national average, they also borrow at lower rates (38% vs. 49%). In contrast, graduates from for-profit institutions leave with twice the average debt of their peers at public institutions. At private non-profit institutions, the average debt for bachelor's degree graduates is consistent with the national average, while their borrowing rates are slightly lower in California (50% vs. 54%) . Finally, at California’s for-profit  \ninstitutions, the average debt for a bachelor’s degree graduate is slightly higher than the national average, while the borrowing rates for these institutions in California follow a similar trend of being lower (57%) than the national average (65%) .  \nBusiness Administration, Management and Operations is the most common Bachelor’s degree program across all types of colleges in California and has the highest average debt ($19,300) but the lowest borrowing rate (30%) among other common programs. Other topenrolling degree programs include Psychology, with an average program debt of $18,000 and borrowing rate of 44 percent, and Sociology, with an average program debt of $15,900 and borrowing rate of 46 percent.  \nAverage Debt by Sector for Bachelor’s Degree Graduates  \nFor-profit  \nPrivate non-profit  \nPublic  \nSource: Calculations by TICAS using data from the U.S. Department of Education's College Scorecard. Estimates represent weighted averages of federal student loan debt for a pooled cohort of students who graduated in 2018-19 and 2019-2020.  \nRegardless of the type of institution, the cost of completing a bachelor’s degree may still be burdensome for lowand moderate-income students who receive grant aid, leading many to borrow to cover the remainder of their costs. Pell Grant recipients comprise the majority of borrowers across all bachelor’s degree programs in the state (73% overall), with 89 percent of borrowers at for-profit bachelor’s degree programs being Pell Grant recipients. At California’s public institutions, bachelor's degree graduates who received Pell Grants borrowed less in total, on average, than their non-Pell recipient peers ($15,900 vs. $16,900), which is a reversal of the national trend where Pell recipients typically borrow more than their higher income peers. However, Pell recipients at private non-profit  \n($23,100) and for-profit ($33,400) colleges borrow more o","cbCaivYxnrXTlm8G","https://ap.wps.com/l/cbCaivYxnrXTlm8G","pdf",153123,"English","# Borrowing landscape overview\n# Borrowing rates by sector (associate degrees)\n# Average debt by sector (bachelor’s degrees)\n# Pell Grant recipients and borrowing patterns\n# Conclusion and policy recommendations","[{\"question\":\"What data source and cohort does the fact sheet use?\",\"answer\":\"It uses TICAS calculations based on the U.S. Department of Education’s College Scorecard. Estimates are weighted averages for a pooled cohort of students who graduated in 2018-19 and 2019-2020.\"},{\"question\":\"How do borrowing rates for associate degree graduates differ by institution sector in California?\",\"answer\":\"California associate degree graduates attending public colleges borrow at a far lower rate and amount ($12,800) than those attending private non-profit ($21,000) and for-profit ($21,100) colleges.\"},{\"question\":\"What policy recommendations does the fact sheet provide?\",\"answer\":\"It recommends expanding need-based financial aid (e.g., more funding for Cal Grant) and enhancing state-level borrower protections, including consumer protections and safeguards for eligible short-term programs.\"}]","California’s Undergraduate Student Loan Borrowing Landscape - Insights on Undergraduate Federal Student Loan Debt (2018-19 & 2019-20) | PDF",1792053997]