by our College Data Analytics TeamThis page focuses on the debt students take on to attend Eastern Gateway Community College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
The middle borrower at Eastern Gateway Community College owes $3,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $3,500 |
| Students who completed (graduates) | $4,250 |
| Students who withdrew | $3,125 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Eastern Gateway Community College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,233 |
| 25th percentile | $2,282 |
| 75th percentile | $9,582 |
| 90th percentile (highest-debt students) | $16,118 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at Eastern Gateway Community College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Eastern Gateway Community College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1840 | $9,272 |
| Completed (graduates) | 355 | $8,427 |
| Did not complete | 1485 | $9,402 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $100.21/mo.
Federal data lets us separate Stafford borrowers from the rest at Eastern Gateway Community College.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1786 | $9,397 |
| No Stafford loan | 54 | $5,172 |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 82 | $10,000 |
| No Stafford loan this year | 1758 | $9,106 |
These figures turn the debt totals into a monthly repayment picture for Eastern Gateway Community College.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The official Department of Education two-year default rate for Eastern Gateway Community College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.7% |
| Borrowers in the cohort | 53 |
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 | $4,021 |
| Middle income | $3,000 |
| High income | $3,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $3,847 |
| Continuing-generation students | $2,440 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,080 |
| Independent students | $3,147 |
Federal data publishes the following gap measures for Eastern Gateway Community 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.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.