by our College Data Analytics TeamThis page focuses on the debt students take on to attend EHOVE Career Center: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at EHOVE Career Center, 20% of first-year students take on loan debt, with a typical loan of $3,146 per borrower, covering both private and federal loans.
The average federal loan is $3,146, which is 57.2% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Among all degree-seeking undergrads at EHOVE Career Center, 44% take out federal student loans, borrowing on average $4,829 each per year. This is 53.5% greater than the $3,146 borrowed by freshmen.
Carrying that yearly figure forward comes to roughly $9,658 across two years and $19,316 across a four-year program. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 44% |
| Average federal loan per year | $4,829 |
| Undergraduates with a federal loan | 227 |
| Total federal loans (one year) | $1,096,150 |
Graduating and withdrawing students at EHOVE Career Center carry a median federal debt of $6,333 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,333 |
| Students who completed (graduates) | $7,672 |
| Students who withdrew | $3,167 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for EHOVE Career Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,501 |
| 25th percentile | $3,941 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $10,931 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at EHOVE Career Center.
Repayment burden translates the debt figures into what a borrower actually pays each month. EHOVE Career Center.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for EHOVE Career Center follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.1% |
| Borrowers in the cohort | 180 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,672 |
| Middle income | $6,333 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,333 |
| Continuing-generation students | $6,333 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,818 |
| Independent students | $8,444 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at EHOVE Career Center.
Subsidized vs. Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
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.