by our College Data Analytics TeamThis page focuses on the debt students take on to attend Eagle Gate College-Boise Campus, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Eagle Gate College-Boise Campus, 76% of incoming students take out a loan to help cover first-year costs, for an average of $9,750 per borrower, covering both private and federal loans.
The average federal loan is $9,216. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Eagle Gate College-Boise Campus, 51% finance part of their studies with federal loans, with a mean of $10,472 each per year. This works out to 13.6% more than the first-year federal average of $9,216.
Borrowing at that rate every year works out to about $20,944 after two years and $41,888 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 | 51% |
| Average federal loan per year | $10,472 |
| Undergraduates with a federal loan | 239 |
| Total federal loans (one year) | $2,502,916 |
The middle borrower at Eagle Gate College-Boise Campus owes $20,000 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,000 |
| Students who completed (graduates) | $43,021 |
| Students who withdrew | $8,750 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.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 Eagle Gate College-Boise Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,683 |
| 25th percentile | $7,486 |
| 75th percentile | $22,524 |
| 90th percentile (highest-debt students) | $32,562 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Eagle Gate College-Boise Campus.
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 Eagle Gate College-Boise Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $10,649 |
These figures turn the debt totals into a monthly repayment picture for Eagle Gate College-Boise Campus.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for Eagle Gate College-Boise Campus appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 23.9% |
| Borrowers in the cohort | 965 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $17,946 |
| Middle income | $24,000 |
| High income | $24,862 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,116 |
| Continuing-generation students | $29,442 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,524 |
| Independent students | $24,125 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Eagle Gate College-Boise Campus.
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
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.