by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Eastern New Mexico University Ruidoso Branch Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. The data below is drawn directly from federal sources.
For incoming students at ENMU - Ruidoso Campus, 0% of incoming students take out a loan to help cover first-year costs.
Looking at all undergraduates at ENMU - Ruidoso Campus, freshmen included, 1% borrow through federal student loan programs, averaging $7,697 each per year.
Carrying that yearly figure forward comes to roughly $15,394 by year two and around $30,788 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 1% |
| Average federal loan per year | $7,697 |
| Undergraduates with a federal loan | 4 |
| Total federal loans (one year) | $30,787 |
The median student at ENMU - Ruidoso Campus borrows $11,000 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $11,000 |
| Students who completed (graduates) | $16,500 |
| Students who withdrew | $7,500 |
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 ENMU - Ruidoso Campus.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,150 |
| 25th percentile | $3,550 |
| 75th percentile | $18,484 |
| 90th percentile (highest-debt students) | $29,849 |
How wide this percentile range is tells you how much borrowing varies across students at ENMU - Ruidoso Campus.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at ENMU - Ruidoso Campus.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 289 | $12,000 |
| Completed (graduates) | 115 | $13,200 |
| Did not complete | 174 | $10,214 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $156.96/mo.
Federal data lets us separate Stafford borrowers from the rest at ENMU - Ruidoso Campus.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 143 | $11,911 |
| No Stafford loan this year | 146 | $12,000 |
These figures turn the debt totals into a monthly repayment picture for ENMU - Ruidoso Campus.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. Two-year cohort default-rate data for ENMU - Ruidoso Campus appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.8% |
| Borrowers in the cohort | 1264 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
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 | $10,752 |
| Middle income | $11,000 |
| High income | $11,512 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,000 |
| Continuing-generation students | $11,473 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,382 |
| Independent students | $12,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at ENMU - Ruidoso Campus.
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.
Did You Know?
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.