by our College Data Analytics TeamThis page focuses on the debt students take on to attend Eastern Center for Arts and Technology— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Eastern Center for Arts and Technology, 64% of new students use loans toward freshman-year expenses, averaging $6,515 apiece. This figure includes both private and federally funded student loans.
The typical federal loan comes to $6,515. This is at or above the $5,500 first-year federal borrowing cap that applies to the typical dependent freshman. 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 Eastern Center for Arts and Technology, 29% use federal student loans to help pay for their education, averaging $10,325 each per year. This is 58.5% more than the first-year federal average of $6,515.
Repeating that yearly amount projects to about $20,650 in two years and roughly $41,300 by the fourth year. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 29% |
| Average federal loan per year | $10,325 |
| Undergraduates with a federal loan | 67 |
| Total federal loans (one year) | $691,796 |
Graduating and withdrawing students at Eastern Center for Arts and Technology carry a median federal debt of $9,850 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,850 |
| Students who completed (graduates) | $11,200 |
| Students who withdrew | $3,358 |
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 Eastern Center for Arts and Technology.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $10,500 |
| 90th percentile (highest-debt students) | $15,050 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Eastern Center for Arts and Technology.
Repayment burden translates the debt figures into what a borrower actually pays each month. Eastern Center for Arts and Technology.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for Eastern Center for Arts and Technology follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 7.5% |
| Borrowers in the cohort | 80 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Middle income | $9,123 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $6,760 |
| Independent students | $10,195 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Eastern Center for Arts and Technology.
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.
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.