by our College Data Analytics TeamHere you will find what students actually borrow to attend Eastern International College-Jersey City— 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.
At Eastern International College - Jersey City, 67% of incoming undergraduates borrow in year one, averaging $4,678 per borrower, covering both private and federal loans.
Federal loans alone average $3,799, equal to roughly 69.1% of the typical first-year dependent student borrowing cap of $5,500. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at Eastern International College - Jersey City, freshmen included, 61% finance part of their studies with federal loans, with a mean of $4,571 each per year. It comes to 20.3% larger than the $3,799 typical freshmen borrow.
Carrying that yearly figure forward comes to roughly $9,142 by year two and around $18,284 over a four-year span. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 61% |
| Average federal loan per year | $4,571 |
| Undergraduates with a federal loan | 290 |
| Total federal loans (one year) | $1,325,499 |
Graduating and withdrawing students at Eastern International College - Jersey City carry a median federal debt of $18,499 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $18,499 |
| Students who completed (graduates) | $24,751 |
| Students who withdrew | $6,768 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Eastern International College - Jersey City.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $7,800 |
| 75th percentile | $26,658 |
| 90th percentile (highest-debt students) | $32,309 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Eastern International College - Jersey City.
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 Eastern International College - Jersey City.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 130 | $12,029 |
| Completed (graduates) | 83 | $14,754 |
| Did not complete | 47 | $7,030 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $175.44/mo.
Repayment burden translates the debt figures into what a borrower actually pays each month. Eastern International College - Jersey City.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Eastern International College - Jersey City is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.7% |
| Borrowers in the cohort | 392 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $18,750 |
| Middle income | $17,649 |
| High income | $18,498 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,500 |
| Continuing-generation students | $17,014 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $11,999 |
| Independent students | $21,250 |
Federal data publishes the following gap measures for Eastern International College - Jersey City.
Subsidized and 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.
Did You Know?
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.