by our College Data Analytics TeamHere you will find what students actually borrow to attend East Central Community College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
For incoming students at East Central Community College, 7% of incoming undergraduates borrow in year one, averaging $3,969 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $3,670, which is 66.7% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at East Central Community College, 10% borrow through federal student loan programs, with a mean of $4,440 each per year. That is 21.0% greater than the freshman federal average of $3,670.
At a steady annual pace, that totals around $8,880 by year two and around $17,760 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 10% |
| Average federal loan per year | $4,440 |
| Undergraduates with a federal loan | 159 |
| Total federal loans (one year) | $705,963 |
Graduating and withdrawing students at East Central Community College carry a median federal debt of $4,481 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,481 |
| Students who completed (graduates) | $5,500 |
| Students who withdrew | $4,000 |
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 East Central Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,471 |
| 25th percentile | $2,122 |
| 75th percentile | $7,439 |
| 90th percentile (highest-debt students) | $12,397 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at East Central Community College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at East Central Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 37 | $6,750 |
These figures turn the debt totals into a monthly repayment picture for East Central Community College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. Two-year cohort default-rate data for East Central Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 16.0% |
| Borrowers in the cohort | 618 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,131 |
| Middle income | $4,180 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $4,500 |
| Continuing-generation students | $4,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,009 |
| Independent students | $6,083 |
Federal data publishes the following gap measures for East Central Community College.
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.
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.