by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Eagle Gate College-Layton— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
At Eagle Gate College - Layton, 62% of new students use loans toward freshman-year expenses, with a typical loan of $13,327 each — a figure that counts both private and federal student loans.
Federal loans alone average $9,773. 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.
For undergraduates overall at Eagle Gate College - Layton, 46% rely on federal student loans toward their education, for a typical $11,013 annually. It comes to 12.7% more than the first-year federal average of $9,773.
Repeating that yearly amount projects to about $22,026 by year two and around $44,052 over four years. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 46% |
| Average federal loan per year | $11,013 |
| Undergraduates with a federal loan | 126 |
| Total federal loans (one year) | $1,387,627 |
Graduating and withdrawing students at Eagle Gate College - Layton carry a median federal debt of $20,000 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $20,000 |
| Students who completed (graduates) | $43,021 |
| Students who withdrew | $8,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for Eagle Gate College - Layton.
| 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 spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Eagle Gate College - Layton.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Eagle Gate College - Layton.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 20 | $10,649 |
The indicators below describe what the typical debt costs to pay back at Eagle Gate College - Layton.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Eagle Gate College - Layton is shown 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 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,524 |
| Independent students | $24,125 |
Federal data publishes the following gap measures for Eagle Gate College - Layton.
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.