by our College Data Analytics TeamThis page focuses on the debt students take on to attend Eastern Virginia Career College— 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.
Among first-year students at Eastern Virginia Career College, 70% of incoming students take out a loan to help cover first-year costs, for an average of $5,737 each — a figure that counts both private and federal student loans.
The average federally funded loan is $4,974, representing 90.4% of the $5,500 cap on first-year federal borrowing for the typical dependent student. 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 Virginia Career College, 62% rely on federal student loans toward their education, averaging $6,601 annually. It comes to 32.7% above the first-year federal average of $4,974.
At a steady annual pace, that totals around $13,202 after two years and $26,404 by the fourth year. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,601 |
| Undergraduates with a federal loan | 208 |
| Total federal loans (one year) | $1,373,065 |
Graduating and withdrawing students at Eastern Virginia Career College carry a median federal debt of $9,500 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $10,500 |
| Students who withdrew | $5,500 |
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 Eastern Virginia Career College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,666 |
| 25th percentile | $6,111 |
| 75th percentile | $17,669 |
| 90th percentile (highest-debt students) | $20,051 |
How wide this percentile range is tells you how much borrowing varies across students at Eastern Virginia Career College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Eastern Virginia Career College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 36 | $14,225 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Eastern Virginia Career College.
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 Eastern Virginia Career College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 11.5% |
| Borrowers in the cohort | 200 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $9,563 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $12,650 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $12,333 |
Federal data publishes the following gap measures for Eastern Virginia Career College.
The Difference Between Subsidized and 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.
Worth Knowing
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.