by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Eastern Suffolk BOCES: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at Eastern Suffolk BOCES, 37% of incoming undergraduates borrow in year one, averaging $8,586 per student, private and federal loans combined.
The average federally funded loan is $6,869. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Counting every undergraduate at Eastern Suffolk BOCES, 41% use federal student loans to help pay for their education, borrowing on average $7,142 per year. This works out to 4.0% above the $6,869 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $14,284 across two years and $28,568 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 41% |
| Average federal loan per year | $7,142 |
| Undergraduates with a federal loan | 159 |
| Total federal loans (one year) | $1,135,533 |
The middle borrower at Eastern Suffolk BOCES owes $8,550 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,550 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $2,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Eastern Suffolk BOCES.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,475 |
| 25th percentile | $4,950 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,150 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Eastern Suffolk BOCES.
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 Suffolk BOCES.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 47 | $6,000 |
These figures turn the debt totals into a monthly repayment picture for Eastern Suffolk BOCES.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Eastern Suffolk BOCES is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.4% |
| Borrowers in the cohort | 203 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,550 |
| Continuing-generation students | $9,500 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,197 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Eastern Suffolk BOCES.
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.