by our College Data Analytics TeamThis page focuses on the debt students take on to attend Clinton Essex Warren Washington BOCES, including completion-adjusted borrowing and a standard repayment estimate. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at CEWW BOCES, 38% of freshmen borrow to help pay for their first year, for an average of $10,021 per student, private and federal loans combined.
The average federal loan is $10,021. This reaches or tops the $5,500 first-year federal borrowing cap for a typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Across the full undergraduate body at CEWW BOCES (freshmen included), 23% take out federal student loans, at an average of $10,021 annually.
At a steady annual pace, that totals around $20,042 by year two and around $40,084 over four years. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 23% |
| Average federal loan per year | $10,021 |
| Undergraduates with a federal loan | 8 |
| Total federal loans (one year) | $80,171 |
The middle borrower at CEWW BOCES owes $7,100 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,100 |
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at CEWW BOCES.
| Percentile | Cumulative Federal Debt |
|---|---|
| 25th percentile | $4,750 |
| 75th percentile | $11,600 |
Repayment burden translates the debt figures into what a borrower actually pays each month. CEWW BOCES.
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 CEWW BOCES appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.6% |
| Borrowers in the cohort | 26 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Subsidized vs. 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.
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.