by our College Data Analytics TeamBelow is federal data on the loans students use to pay for East-West University: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
Among first-year students at East - West University, 64% of new students use loans toward freshman-year expenses, borrowing on average $4,051 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $4,051, amounting to 73.7% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Looking at all undergraduates at East - West University, freshmen included, 60% take out federal student loans, borrowing on average $4,919 annually. It comes to 21.4% greater than the freshman federal average of $4,051.
Carrying that yearly figure forward comes to roughly $9,838 by year two and around $19,676 after four. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 60% |
| Average federal loan per year | $4,919 |
| Undergraduates with a federal loan | 319 |
| Total federal loans (one year) | $1,569,270 |
The middle borrower at East - West University owes $7,334 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $7,334 |
| Students who completed (graduates) | $26,986 |
| Students who withdrew | $5,946 |
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 - West University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,834 |
| 25th percentile | $3,666 |
| 75th percentile | $19,280 |
| 90th percentile (highest-debt students) | $31,301 |
How wide this percentile range is tells you how much borrowing varies across students at East - West University.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at East - West University.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 58 | $11,146 |
The indicators below describe what the typical debt costs to pay back at East - West University.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for East - West University appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.8% |
| Borrowers in the cohort | 578 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $7,334 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,667 |
| Continuing-generation students | $14,870 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,667 |
| Independent students | $9,453 |
Federal data publishes the following gap measures for East - West University.
The Difference Between Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
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.