by our College Data Analytics TeamHere you will find what students actually borrow to attend Eastern Suffolk BOCES: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. These figures are reported by the Department of Education and IPEDS.
At Eastern Suffolk BOCES specifically, 14% of incoming undergraduates borrow in year one, averaging $3,482 apiece. This figure includes both private and federally funded student loans.
The average federal loan is $3,482, amounting to 63.3% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Counting every undergraduate at Eastern Suffolk BOCES, 15% rely on federal student loans toward their education, averaging $3,471 per year. That is 0.3% lower than the freshman federal average of $3,482.
Repeating that yearly amount projects to about $6,942 after two years and $13,884 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 15% |
| Average federal loan per year | $3,471 |
| Undergraduates with a federal loan | 5 |
| Total federal loans (one year) | $17,354 |
The middle borrower at Eastern Suffolk BOCES owes $8,550 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,550 |
| Students who completed (graduates) | $9,500 |
| Students who withdrew | $2,750 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Eastern Suffolk BOCES.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,475 |
| 25th percentile | $4,950 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $13,150 |
How wide this percentile range is tells you how much borrowing varies across students at Eastern Suffolk BOCES.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at Eastern Suffolk BOCES.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 47 | $6,000 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Eastern Suffolk BOCES.
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 Suffolk BOCES appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.4% |
| Borrowers in the cohort | 203 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $9,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,550 |
| Continuing-generation students | $9,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,197 |
| Independent students | $9,500 |
Federal data publishes the following gap measures for Eastern Suffolk BOCES.
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.
Important to Remember
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.