by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Douglas Education Center: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
Looking at the entering class at Douglas Education Center, 76% of incoming undergraduates borrow in year one, averaging $7,012 apiece. This figure includes both private and federally funded student loans.
Federal loans alone average $5,818. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Looking at all undergraduates at Douglas Education Center, freshmen included, 67% finance part of their studies with federal loans, averaging $6,332 each per year. It comes to 8.8% higher than the $5,818 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $12,664 by year two and around $25,328 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 | 67% |
| Average federal loan per year | $6,332 |
| Undergraduates with a federal loan | 134 |
| Total federal loans (one year) | $848,536 |
The median student at Douglas Education Center borrows $12,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $12,000 |
| Students who completed (graduates) | $12,000 |
| Students who withdrew | $5,125 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Douglas Education Center.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,583 |
| 25th percentile | $8,541 |
| 75th percentile | $16,000 |
| 90th percentile (highest-debt students) | $20,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Douglas Education Center.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Douglas Education Center.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 82 | $32,157 |
These figures turn the debt totals into a monthly repayment picture for Douglas Education Center.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Douglas Education Center is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.1% |
| Borrowers in the cohort | 226 |
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 | $11,965 |
| Middle income | $12,000 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $12,000 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $11,342 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Douglas Education Center.
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.