by our College Data Analytics TeamHere you will find what students actually borrow to attend East Texas Baptist University, including completion-adjusted borrowing and a standard repayment estimate. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at East Texas Baptist University, 65% of incoming students take out a loan to help cover first-year costs, averaging $8,474 each — a figure that counts both private and federal student loans.
Federal loans alone average $4,994, or about 90.8% of the typical first-year dependent student borrowing cap of $5,500. Keep in mind the all-undergraduate averages further down count federal loans only, unlike this private-plus-federal freshman figure.
Looking at all undergraduates at East Texas Baptist University, freshmen included, 62% use federal student loans to help pay for their education, at an average of $6,102 each per year. This works out to 22.2% larger than the $4,994 borrowed by freshmen.
Repeating that yearly amount projects to about $12,204 in two years and roughly $24,408 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 62% |
| Average federal loan per year | $6,102 |
| Undergraduates with a federal loan | 843 |
| Total federal loans (one year) | $5,144,268 |
Graduating and withdrawing students at East Texas Baptist University carry a median federal debt of $15,030 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $15,030 |
| Students who completed (graduates) | $23,250 |
| Students who withdrew | $5,500 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at East Texas Baptist University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $25,500 |
| 90th percentile (highest-debt students) | $35,500 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at East Texas Baptist University.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for East Texas Baptist University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 289 | $16,385 |
| Completed (graduates) | 148 | $18,989 |
| Did not complete | 141 | $14,375 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $225.8/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at East Texas Baptist University.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 277 | — |
| No Stafford loan this year | 12 | — |
The indicators below describe what the typical debt costs to pay back at East Texas Baptist University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. Two-year cohort default-rate data for East Texas Baptist University is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 8.1% |
| Borrowers in the cohort | 369 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $14,000 |
| Middle income | $15,094 |
| High income | $16,084 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,500 |
| Continuing-generation students | $17,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,750 |
| Independent students | $18,750 |
Federal data publishes the following gap measures for East Texas Baptist University.
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
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.