by our College Data Analytics TeamBelow is federal data on the loans students use to pay for East Stroudsburg University of Pennsylvania, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
At East Stroudsburg University specifically, 67% of incoming undergraduates borrow in year one, borrowing on average $7,172 per borrower, covering both private and federal loans.
The average federally funded loan is $5,380, representing 97.8% of the $5,500 first-year federal borrowing limit for a typical dependent freshman. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
Among all degree-seeking undergrads at East Stroudsburg University, 58% rely on federal student loans toward their education, borrowing on average $6,151 each per year. That is 14.3% larger than the $5,380 typical freshmen borrow.
At a steady annual pace, that totals around $12,302 after two years and $24,604 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 58% |
| Average federal loan per year | $6,151 |
| Undergraduates with a federal loan | 2,680 |
| Total federal loans (one year) | $16,485,544 |
Graduating and withdrawing students at East Stroudsburg University carry a median federal debt of $16,750 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,750 |
| Students who completed (graduates) | $24,218 |
| Students who withdrew | $9,500 |
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 Stroudsburg University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $5,500 |
| 75th percentile | $26,000 |
| 90th percentile (highest-debt students) | $31,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at East Stroudsburg University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for East Stroudsburg University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1278 | $18,973 |
| Completed (graduates) | 649 | $25,252 |
| Did not complete | 629 | $15,821 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $300.27/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at East Stroudsburg University.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1260 | — |
| No Stafford loan | 18 | — |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 1154 | $19,346 |
| No Stafford loan this year | 124 | $17,064 |
These figures turn the debt totals into a monthly repayment picture for East Stroudsburg University.
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 Stroudsburg University follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 3.2% |
| Borrowers in the cohort | 1743 |
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.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,750 |
| Middle income | $16,414 |
| High income | $17,741 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,500 |
| Continuing-generation students | $17,952 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,750 |
| Independent students | $17,716 |
Federal data publishes the following gap measures for East Stroudsburg University.
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.