by our College Data Analytics TeamHere you will find what students actually borrow to attend East Georgia State College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at East Georgia State College, 38% of new students use loans toward freshman-year expenses, at roughly $4,669 per student, private and federal loans combined.
Federal loans alone average $4,555, representing 82.8% of the $5,500 cap on first-year federal borrowing for the 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.
Among all degree-seeking undergrads at East Georgia State College, 33% finance part of their studies with federal loans, with a mean of $4,645 a year. That amounts to 2.0% larger than the $4,555 freshmen take on.
At a steady annual pace, that totals around $9,290 by year two and around $18,580 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 | 33% |
| Average federal loan per year | $4,645 |
| Undergraduates with a federal loan | 449 |
| Total federal loans (one year) | $2,085,768 |
The middle borrower at East Georgia State College owes $6,374 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,374 |
| Students who completed (graduates) | $11,750 |
| 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 East Georgia State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $10,925 |
| 90th percentile (highest-debt students) | $16,186 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at East Georgia State College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at East Georgia State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 345 | $5,000 |
| Completed (graduates) | 35 | $7,000 |
| Did not complete | 310 | $5,000 |
On a standard 10-year plan, the median completing borrower would pay about $83.24/mo.
Federal data lets us separate Stafford borrowers from the rest at East Georgia State College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 300 | $5,000 |
| No Stafford loan this year | 45 | $12,095 |
The indicators below describe what the typical debt costs to pay back at East Georgia State College.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for East Georgia State College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 15.0% |
| Borrowers in the cohort | 952 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $6,979 |
| Middle income | $6,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,250 |
| Continuing-generation students | $6,490 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,100 |
| Independent students | $8,250 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at East Georgia State College.
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.
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.